In general, Social Security Disability payments are protected from being garnished for credit card debt. These payments are backed by the Social Security Act, which protects them from being garnished by private creditors. However, there are exceptions, such as debts owed to the government, federal taxes, federal student loans, and child or spousal support obligations. It is important to note that once Social Security disability funds are deposited into a bank account, they can lose their protection against garnishment.