Based on your description, I can give the following answer:

According to Chinese law, late payment on a credit card will lead to a series of consequences, but it will not directly lead to being arrested and jailed. . The specific circumstances are as follows:

1. Impact on credit record: Late repayment will have a negative impact on your credit record and may reduce your success rate in future borrowings, loans or credit card applications.

2. The bank takes recovery measures: The bank may recover overdue amounts through legal means, such as suing you to court or entrusting a third-party agency to collect. This may result in you paying additional late fees and liquidated damages.

3. Legal proceedings proceed: If the bank files a lawsuit against you and obtains a judgment, you may face the risk of enforcement. During the execution stage, the court will seize and auction your property in accordance with the law to pay off the debt.

Summary: Overdue credit card repayments will cause harm to your personal credit, and you may face legal proceedings from the bank to collect the debt. However, under Chinese law, overdue credit cards do not directly lead to arrest and jail time. It is recommended that you actively communicate with the bank, formulate a repayment plan as soon as possible, and try your best to fulfill your repayment obligations.

Extended information: China's "Contract Law" stipulates relevant provisions for the treatment of overdue debts, including liquidated damages, late payment fees and legal recovery, etc. At the same time, the specific procedures implemented by courts in various places may be different. Please make a specific judgment based on the laws and regulations of your location.