Credit card companies are businesses, and like any other business, they need to make a profit to survive.
One way they make a profit is by charging interest on balances that are not paid in full each month.
If you fail to make payments on your credit card, your balance will continue to accrue interest, making it more difficult to pay off in the future.
If you continue to ignore your credit card debt, the credit card company may decide to take legal action against you.
This can include suing you for non-payment of the debt.
The credit card company may also report your non-payment to credit bureaus
which can have a negative impact on your credit score and make it more difficult for you to obtain credit in the future.
When a credit card company decides to sue you for non-payment, they will typically hire a debt collection agency or a law firm to represent them in court.