Credit card payment stop is a preventive measure taken by banks to strengthen management, ensure safety, and prevent losses and adverse effects caused by fraudulent use of counterfeit cards or loss of cards. Q. It is also an important step to stop paying the main card or supplementary card at the cardholder's request to reduce the cardholder's losses and risks.

Card suspension/credit card payment is generally carried out when the credit card has expired for more than 3 months, at least two reminders are invalid, or the bank discovers serious illegal use (similar to cashing out). Once a card/credit card is stopped for payment, banks generally will not accept reinstatement applications.

Unless you can provide tangible evidence to prove that your outdated or illegal behavior was not caused intentionally by you, but also caused by force majeure, such as being bedridden in a car accident and unable to repay the loan for N months, you You can apply to the bank's credit card center for review. Theoretically it is possible to meet the following prerequisites: 1. Pay the money back. 2. All credit cards that have been used for more than six consecutive months have not expired. 3. Call the bank to apply. 4. The bank will check your credit from the beginning and check the credit statement of the visiting bank.

After a credit card is deactivated (stops payment), it can be activated under certain conditions. Please call the credit card customer service center to apply.

1. Under what circumstances will the payment of a personal credit card account be stopped?

Stop payment is divided into two situations: the cardholder applies to stop payment and the bank stops payment:

The cardholder applies to stop payment: the cardholder loses or steals his credit card. Voluntarily apply for a protected stop payment from the bank. The stop payment in this case will not affect the cardholder's credit status;

Bank stop payment behavior: The bank can monitor the cardholder's card use in real time. Once illegal card use, overdue card application, credit card theft or other potential risks are discovered, the bank has the right to stop payment on the credit card to ensure the safety of funds.

2. Under what circumstances can the cardholder apply to cancel payment?

If the use of a credit card is restricted due to overdue credit, the overdue amount should be repaid as soon as possible. After paying off the credit card balance, the cardholder can call the bank's credit card customer service center to explain the situation. Generally, banks will lift restrictions. From then on, the cardholder must repay every payment on time and do not cause any overdue payments, because overdue credit cards will be included in the personal credit system. Too many overdue payments will affect future loan applications.

Credit cards are restricted due to cash withdrawals. It depends on the situation. If it is not a subjective cash-out but a cash-out based on the bank's mistrust, the cardholder can call the bank's credit card customer service center to learn about the situation and apply for the credit card to be lifted from restrictions.

Credit cards are restricted due to credit card theft. Generally, the bank will lift the restriction after the stolen credit card is processed. Related Q&A: Related Q&A: What does bank card stop payment mean?

Bank stop payment means that the bank refuses to stop payment of cash in the account, transfer payment, POS consumption, etc. You can check if there is any problem with your bank account. Specifically, the common ones include the following: first the risk of being stolen, second account anomaly, third credit account cash out, fourth loss report, fifth legal dispute, etc.