Paying the minimum payment on a credit card (debit card) every time is equivalent to leaving a part of the amount in each period for repayment in the next period. If things go on like this, this amount cannot be paid off. The user must choose to repay in full or in full, and then no longer use the credit card (credit card), so that all outstanding balances on the credit card (credit card) will be paid off. As long as you keep using your credit card (credit card), the balance on your credit card (credit card) will always exist.

For users, as long as they have good consumption habits, long-term use of credit cards (debit cards) is conducive to capital turnover and is not a bad thing for users.