If you must take credit card debt please ensure that you pay it in full within the stipulated time to avoid debt accumulation and other penalties such as late payment.

如果你必须承担信用卡债务，那么请确保在规定的时间内全部还清，避免债务的累积和如逾期付款之类的处罚。

youdao

She says they often start by making the lowest payment required. Over time, their credit limit is increased, but they do not pay off their debt.

她说，他们通常从最低付款额度开始，久而久之，信贷限额上升，但他们不去付清欠款。

youdao

The deficit they create now is finite and can be paid for later, just as homeowners borrow now for a one-time payment, incurring a finite debt they pay off over time.

WSJ: What It Would Take for Stimulus to Work

Your credit score is based on your payment history, outstanding debt, length of time you've had credit, types of credit you now have and the number of inquiries.

FORBES: Magazine Article

However, if nominal GDP grows at 4 percent per annum over the next 40 years, these payments would be closer to 1 percent of the GDP at the time of the payment, making it far easier to simply roll this debt over.

FORBES: Ireland's Promissory Note Deal