1. Credit card bad debts refer to accounts receivable that have passed the repayment period and cannot be recovered after collection, and have been in a sluggish state for a long time. Simply put, it is an account that has not been paid off for more than three years.

2. General bad debts: After the credit card is overdrawn, it will be bad debts if it is not repaid for a long time.

3. Premium bad debts: refers to the part whose repayment exceeds the amount owed, which will become bad debts if it is left untreated for a long time.