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Can I apply for a tax deduction if I pay off my credit card in one lump sum?

Yes. Interest cannot be directly deducted after a one-time payment of a credit card, but you can apply for exemption of overdue interest and penalty interest. When applying for exemption or reduction, take the initiative to contact the bank and explain your difficulties, express your willingness to repay, and provide relevant supporting documents, such as poverty certificate, income certificate, etc., and seek the bank's consent.