What do marleys chains represent?

Marley's chains in Charles Dickens' "A Christmas Carol" symbolize the consequences of a life lived without compassion and generosity. They represent the burdens of guilt and regret that one carries due to selfish actions and missed opportunities for kindness. Marley, bound by his chains, serves as a warning to Scrooge and illustrates the idea that one's choices in life ultimately determine their fate in the afterlife.