Sounds like you are what the lawyers call "judgment-proof",Customer
Your SS payments are exempt from execution or garnishment
/interception. If the bank knows your accounts contain NO money that was NOT from SSI, then those balances are probably exempt, too. (Don't rely on the bank to protect you--only your attorney has a firm duty to protect you and only you.)
Judgments in AZ remain enforceable for 5 years, and can be renewed for another 5 if done before the 5 years are up.
Judgments can stay on your credit report for seven years.
If you have NO plans of ever borrowing money or using credit ever again, having a judgment on your credit report causes no harm.
However, if you inherit any money or hit the lottery, the credit card company could then try to execute on its judgment (PLUS collection costs, interest, and maybe even attorney's fees).
Hope this helps.