Legal analysis: owing credit card money actually does not affect the payment of social security. The so-called owing credit cards can't pay social security, which is actually unfounded and a rumor. Both urban workers and urban and rural unemployed residents can usually pay social security. Because social security is organized by the state and is an important part of the social security system, and according to the relevant provisions of the Social Insurance Law and the Labor Law, enterprises must pay social security for their employees.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.