Legal analysis: If a credit card case is filed, the public security organs will also intervene in the investigation, which means that filing a case does not necessarily lead to arrests. For example, if the cardholder simply fails to repay the loan overdue, as long as the cardholder actively cooperates with the police investigation and expresses his willingness to repay, the person will generally not be arrested. In the case of credit card fraud or malicious overdraft of credit cards, the police will arrest the person after they have evidence of the crime.

Most overdue credit cards are considered overdue repayments and generally do not involve criminal liability.

Legal basis: Article 19 of the "Criminal Procedure Law of the People's Republic of China" The investigation of criminal cases shall be conducted by the public security organs, unless otherwise provided by law. If the People's Procuratorate discovers during its legal supervision of litigation activities that judicial staff have taken advantage of their powers to commit illegal detention, torture to extract confessions, illegal searches, and other crimes that infringe upon citizens' rights and undermine judicial fairness, the People's Procuratorate may file a case for investigation. When major criminal cases committed by staff of state organs under the jurisdiction of public security organs who take advantage of their powers need to be directly accepted by the People's Procuratorate, the People's Procuratorate may file the case for investigation upon the decision of the People's Procuratorate at or above the provincial level. Private prosecution cases shall be directly accepted by the People's Court.