You don't have to make credit card payments, if you never use credit cards. When you use a credit card, you become a slave to the bank. Part of your salary must now be sent to the bank. You are now working for the bank as well as your job. If you do not make your payments, You will be assessed a "late payment penalty fee" . Your debt will grow and grow to more than the amount that you borrowed and more. Also, Your "Credit Score" will be lowered. This will make it harder for you to get credit in the future. Any credit that you do get, will be at a higher interest rate. The bank may get collectors to contact you, to try and recover the money you owe. The bank may sell your debt to a third party, in which case a whole new set of collectors will contact you. After a while, the bank may "write off" your debt to them. Basically, the money you owe and all of the late payment penalties become a GIFT to you from the bank. They report it to the IRS, and you now have to pay GIFT taxes to the U.S. Government.
If you don't pay you will get due and your credit card score will not be good. So these may effects while borrowing personal loans. For More Details: https://financebuddha.com/blog/guide-to-removing-late-payments-from-cibil-report
well then get a sugar daddy and pay em durrhhh