As a bank employee and finance major I have a few things coming from both my work and education experience.
My recommendation: If you can’t pay the interest, apply for a premier loan which will consolidate your debt into a low interest loan.
1) your credit score will be crap. This means that you will never qualify for other cards, you will never qualify to own your own home, and your card (even accounts) will be shut off, and even apartment rentals will tell you to take a hike.
2) If you refuse to pay you will be sent to collections, and trust me you don’t want to be sent to collections.
3) Collections agencies will reach out to repo agencies which will have zero qualms with taking anything that you own (tv, car, home) in order to pay off your debts
4) If collections can’t take anything, the irs will come after you (you are now screwed) and you will either go to prison(evasion charges) or your future checks will be zero’d out in order to pay off your debts.