Reason:

1. The interest rate of credit cards is usually high, and overdue repayment will generate more interest expenses, so paying off the credit cards first can reduce the burden.

2. The overdue record of credit card arrears may have a great impact on personal credit records, affecting the ability to lend and the loan interest rate in the future.

3. Flower beds generally have a certain grace period and can be repaid within a few days after expiration. In contrast, credit cards are more urgent.

Summary:

It is a wise choice to give priority to paying off credit card debts. This can reduce interest expenses, protect personal credit records and avoid serious overdue problems. Of course, in the process of repayment, we should also try to avoid accumulating debts again and plan consumption and fund management reasonably.