Legal analysis: the money owed to the credit company is a civil dispute and will not go to jail. But the credit company sued the court and ordered you to repay the arrears within a time limit. You have the ability to carry out the court's decision, but if you don't, you may face fines or detention. If the situation is serious, it can also constitute a crime of refusing to execute the judgment, leading to imprisonment.
Legal basis: Article 313 of the Criminal Law of People's Republic of China (PRC) refuses to execute the judgment or ruling of the people's court, and if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.