Credit card debt refers to the debt caused by having too much debt on a credit card that cannot be paid off. In this case, the risks brought by credit cards will continue to rise, causing great trouble to personal financial status. Therefore, when using credit cards, we must be careful not to exceed our affordability.

First of all, you should formulate a reasonable consumption plan based on your actual situation and clarify the income and expenditures. At the same time, when using credit cards, you must also remain cautious and rational, and do not rely too much on them. When necessary, you must repay in time. When you encounter difficulties, you must also promptly apply to the bank for repayment delay or installment to avoid credit card problems. The condition of the bricks.

When the balance in your credit card is too high, the bank will start to give you some warnings and reminders, such as text messages, phone calls, etc. If you still don't pay attention, the bank will take more stringent measures, such as deactivating credit cards, closing accounts, etc. What's more serious is that if you don't repay your credit card debt for a long time, you will encounter debt collection, which will affect your personal credit record and have a negative impact on future credit evaluations and bank loans.