It means that the 3,000 yuan has not been repaid and the 20,000 yuan quota cannot be used. The credit card has become a bad debt, which means that the cardholder has a bill that has not been paid off for a long time. When the bank fails to collect the bill, it defaults that the bill cannot be recovered but does not give up the right to recover, so it is recorded as a bad debt. . If the three thousand yuan is not repaid, it means that the 21,000 yuan in the credit card cannot be used.