Credit card debt occurs when a person spends more money on their credit card than they can pay back by the due date. This can happen when someone makes purchases they can't afford or only pays the minimum amount due each month. As a result, interest charges can accumulate, making the total amount owed grow larger over time. Managing credit card debt is important for financial health. To reduce it, individuals can create a budget, cut unnecessary expenses, and pay more than the minimum payment. Seeking help from a financial advisor or using debt management programs can also provide guidance on how to effectively pay off credit card debt.