With the changes in consumption views and the convenience of credit payments, the phenomenon of excessive borrowing has become more and more prominent, and people's non-optimal decisions when repaying multiple debts have exacerbated the emergence of bad credit. This study focuses on the irrational behavior of repaying credit cards with lower debts in preference to credit cards with lower interest rates during the credit card repayment process, and tries to explore the mechanism of this behavior and intervention measures. We use laboratory experiments to examine individuals' repayment decisions in the face of different goals forms, and introduce social norms and external incentives to study the effect of these interventions on the individual repayment decisionmaking process. The experimental results show that people will choose credit cards with high interest rates and low debt to repay; we can intervene irrational repayment behavior through different goals forms and information.