I don't really trust that article. China's household debt is still very low:
https://en.wikipedia.org/wiki/List_of_countries_by_household_debtWhat people do borrow is usually for property. If you believe in bubbles then maybe there is a problem there.
But Chinese never got big into credit cards like the west. Yes there's some credit cards but most people in the country never owned any kind of card. They went straight from cash to smartphone payment which is linked to bank account so more like a debit card (no debt).