What is the ruling on accumulated debt from a credit card with interest, and to what extent is it obligatory to repay it? And is purchasing non-essentials considered a shortcoming in repaying the debt?

An able debtor must repay an immediate debt promptly and sins by delaying it, as this constitutes injustice. As for a deferred debt, it is not obligatory to repay it before its due date. The questioner must hasten to repay the principal debt, excluding usurious interest, if able to do so without harm.