Credit card debt refers to the amount of money a person owes to a credit card issuer after making purchases using their credit card. When individuals use their credit cards, they are essentially borrowing money, which they must pay back, often with interest. If the balance is not paid in full by the due date, interest charges can accumulate, leading to higher debt over time. Managing credit card debt is important for maintaining financial health. High levels of debt can negatively impact a person's credit score, making it harder to obtain loans or favorable interest rates in the future. To avoid excessive debt, it's advisable to spend within one's means and pay off balances regularly.