The total debt of credit card (debit card) refers to the total amount to be repaid by credit card (debit card), including consumption amount, installment amount and cash withdrawal amount. The total liabilities of credit cards (debit cards) will be recorded in the credit report. When financial institutions inquire about personal credit, the total liabilities will be directly included in the personal debt ratio. When the personal debt ratio is too high, it may not pass the loan review.

When a user applies for a loan, sometimes the lending institution will ask the user to settle all previous liabilities. At this time, the total debt of credit card (debit card) must be paid off in advance.