Under normal circumstances, credit card payment stops will have a certain impact on personal credit reports. The specific extent of the impact will depend on a variety of factors, including the suspension time, the amount owed, and whether there are overdue payments. Generally speaking, if the card is suspended only once, the suspension time will be short and the impact on the credit report will be small. However, if the amount owed is large, or the card has been suspended for a long time and has become overdue, the impact on your credit report may be more serious. Therefore, when using a credit card, it is best to repay on time to avoid overdue payments and communicate with the bank in a timely manner. If there is indeed a payment stop, you can consult the specific bank to understand the impact and handling methods.

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