Credit card debt refers to the situation of buying goods or cashing out, swiping the credit card limit without timely repayment, which is called credit card debt.

If the credit card is not repaid in time, it will have a certain impact on personal credit. If you are unable to repay in full, you can choose to repay by installments or the minimum repayment amount, but you need to pay a certain amount of interest. However, this installment has no effect on personal credit. It is recommended to choose if you are unable to repay your credit card in full.