You will not go to jail if you owe a credit card. Credit card debt is a civil debt, not a criminal offense. Here are the details:

First of all, running up credit card debt does not directly lead to jail time. Jail time is usually based on criminal conduct rather than personal debt issues. The most common scenario for unpaid credit card debt is for the bank to pursue repayment through legal means, possibly through litigation or other means to recover the amount owed. But this does not give rise to criminal penalties.

Secondly, even if the credit card debt has been litigated, the court will recover the debt based on the creditor's application, but will not impose penalties on the debtor. The law prefers to recover arrears, such as seizing and detaining property, to enforce the legitimate rights and interests of creditors.

In short, failing to pay off a credit card will not put you directly in jail. However, as with any debt problem, nonpayment of credit card debt can have a negative impact on an individual's credit history, which can lead to loan denials, a drop in credit rating, and more. Therefore, it is recommended to fulfill repayment obligations in a timely manner and maintain a good credit record.

Extended information:

- According to China's "Contract Law", any loan contract should be repaid according to the time limit stipulated in the contract. If there is a breach of contract, you should bear the liability for breach of contract.

- As China’s credit system develops increasingly, individuals’ untrustworthy behaviors will be included in the credit record system, which will have an important impact on individuals’ credit risk assessment and credit borrowing capabilities.

- In the process of negotiating a settlement with the bank, you can try a reasonable repayment plan and reach an agreement with the bank to avoid further legal disputes.

Please note that the above answers are based on Chinese laws and general conditions and cannot cover all special situations. If you have any questions or encounter practical problems, please consult relevant legal professionals or local authorities.