Detailed description:

1. Amount owed: more than 40,000 yuan owed, the specific figure is not provided.

2. Repayment ability: Only a few hundred dollars can be repaid every month, and it is impossible to fully repay the loan soon.

3. Prison Break: According to Chinese laws, defaulting on credit card debts may constitute crimes such as fraud and embezzlement, and may face criminal punishment.

Summary:

Paying a few hundred dollars a month can't effectively repay the arrears, and it may not escape the jail.

Extended data:

1. Credit card debt: Credit card is a convenient payment tool, but overdraft or default on credit card debt will lead to serious consequences.

2. Legal liability: According to China's laws, defaulting on credit card debts is a civil dispute, and banks have the right to take legal measures to recover debts, or even report the case for criminal responsibility.

3. Avoidance of legal risks: communicate with banks in time and make repayment plans, actively solve debt problems and avoid possible legal risks.