信用卡刷爆是什么意思？

中文版

信用卡刷爆，是指持卡人使用信用卡的信用额度超过了自己的还款能力，导致无法按时偿还债务的情况。这通常发生在持卡人过度消费、无节制地使用信用卡，或者因为突发事件导致经济状况恶化时。当信用卡刷爆后，持卡人不仅需要面对高额的利息和滞纳金，还可能面临信用记录受损、银行追债甚至法律诉讼等后果。

为了避免信用卡刷爆的风险，持卡人应该合理规划自己的消费，控制信用卡的使用额度，确保每月还款金额在自己可承受范围内。同时，持卡人还应该注意信用卡账单的还款日期，及时还款，避免逾期产生额外费用。此外，定期查看信用卡账单，了解自己的消费情况和债务状况，也是预防信用卡刷爆的有效方法。

英文版

Credit card maxing out refers to a situation where a cardholder spends beyond their repayment capabilities, resulting in an inability to repay debts on time. This often occurs when a cardholder overspends, uses their credit card without restraint, or experiences a sudden deterioration in their financial situation due to unexpected events. When a credit card is maxed out, the cardholder not only faces high interest rates and late fees, but may also suffer from damaged credit history, debt collection efforts by the bank, and even legal proceedings.

To avoid the risk of maxing out a credit card, cardholders should plan their spending sensibly, control their credit card usage, and ensure that the monthly repayment amount is within their affordable range. Additionally, cardholders should be mindful of the repayment due dates on their credit card statements and make timely repayments to avoid incurring additional fees for late payments. Regularly reviewing credit card statements to understand one's spending habits and debt situation is also an effective way to prevent credit card maxing out.