Bad credit card debt refers to the long-term stagnant funds that have passed the repayment period and cannot be recovered after repeated collection by the bank. This part of the funds may be treated as bad debts, and sometimes the funds that cannot be cleared in time in the credit card will also become bad debts in the credit card.

The following is the classification of credit card bad debts:

1. Bad debts caused by overpayment: If the overpayment in the credit card is not withdrawn for a long time, it will become bad debts of the credit card.

2. Overdue credit card bad debts: Most of the credit card bad debts are overdue debts. If the debt cannot be recovered after repeated collection by the bank, the bank will think that the debt cannot be recovered and will not collect it again. Then the overdue debt will become a bad credit card.