If any debtor fails to pay off credit cards bills in time, then there are not only chances of suffering bankruptcy but also a bad impact will appear on its credit. The debtor could not imagine that up to what time this bad repute will follow him. The impact of bad debt remains on the credit of a person up to seven years and till that date they become unable to re-issue credit cards them in some situations. Therefore, bad debt negatively affects your credit for a long time and you will be in trouble Longley. Therefore, everyone has to try hard to get out off credit card debt as soon as possible. Otherwise, the impact of bad debt will remain with him so long that he will have to bear more financial problems rather to solve previous one. Ultimately, this situation has a damaging effect in your credit.