2. Detailed description:

- One-year overdue credit card arrears will not directly lead to imprisonment, but may lead to legal consequences and debt recovery actions.

- First of all, banks or credit card companies may take legal measures to recover the arrears, such as entrusting a collection agency and filing a civil lawsuit.

- if the borrower refuses to repay or is unable to repay, the creditor may apply for enforcement or property seizure to meet the requirements of the creditor's rights.

- although there is no clear stipulation on how long overdue will trigger criminal responsibility, under normal circumstances, simple overdue credit card debt usually does not lead to criminal punishment.

3. Summary: Credit card arrears overdue for one year will not directly lead to imprisonment, but may lead to legal consequences and debt recovery actions.

4.

Extended information: According to the laws of China, under normal circumstances, the overdue of ordinary credit cards is not a crime. However, if fraud, theft, forgery or other serious illegal acts are involved, it may constitute a criminal offence and lead to criminal responsibility. The specific situation also needs to consider local laws and relevant evidence.