If the cardholder has paid off the debt, but the credit card still shows the debt, it is probably because the repayment has just been made and the money has not yet arrived. If the money is received, it probably means that the banking system has not been liquidated and the use of liabilities has not changed. When the money arrives and the banking system is liquidated, there will be no debt on the credit card. Sometimes the data will be delayed, so the status can't be seen immediately, and the cardholder can wait until the next day of repayment.