Credit card debt refers to the cardholder's failure to repay the credit line given by the credit card company or spending more than the limit before the bill expires, resulting in a negative balance in the card and a debt state. At this time, the cardholder needs to bear certain expenses such as interest and liquidated damages.

Credit card arrears may be due to the high consumer demand or unstable income of cardholders, which leads to the inability to repay on time. Some people may not be familiar with the use of credit cards and repayment rules, so they make mistakes in operation or forget the repayment time, and finally form a state of arrears.

In order to avoid credit card arrears, cardholders need to make reasonable planning and management of their financial situation, make consumption plans, choose credit lines according to their income ability, and make full repayment preparations before repayment expires. At the same time, strengthening the understanding of credit card-related policies and regulations and observing the rules of credit card use will help cardholders better control their credit liabilities and avoid falling into a vicious circle.