I also read it on ISL. I didn't understand until I saw this sentence you quoted. So what? Credit card balance should be translated into credit card arrears. I was blinded by what I read in the first half. What is the English dictionary translation of "credit card balance", but why is the higher the balance, the easier it is to default?

In particular, I saw an example sentence on Youdao, which goes like this:

Relatively speaking, few people can't pay off their monthly credit card balance for fear of paying high interest.

There are relatively few people who don't pay off the "credit card balance" every month because people don't want to pay high interest.

After reading this, I directly have a black question mark face. This should be? Credit card arrears. It can be compared to a certain one, that is, if you borrow money from it, you have to pay it back. After a long time, it will default and the credit will be reduced. The more money you borrow, the harder it is to plug the gap. Because students have no income, it is difficult to pay more, but people in society are different. This is the same as the original intention.