Suspension of credit card payment means that banks stop providing credit to cardholders, although there is still an overdraft limit. Credit card payment is usually stopped because of the risk of credit card. You have the habit of overdue payment for a long time, or you have stopped using your card for too long, and your card has been lost and stolen. These actions are for the bank to mark you with a stop payment sign. Generally, all credit cards cannot be traded. 1 year later, although your account has been cancelled, the bank still keeps the cardholder's record.