After the card is stopped, the cardholder must pay off all the debts, and the principal, handling fee, interest, late payment fee and other payables should be paid off at one time. Because the credit card can only be unsealed after it is paid off. If the credit card is blocked and not repaid, it will not only be reported to the credit information system by the bank, but also be blacklisted by the bank, which will affect future lending and investment.

Legal basis: Measures for the Administration of Credit Card Business

Article 37 After the cardholder has paid off the overdraft principal and interest, the account can be cancelled under any of the following circumstances:

(1) After the credit card expires for 45 days, the cardholder does not replace it with a new card;

(2) after 45 days of reporting the loss of a credit card, there is no supplementary card and a new card is not replaced;

(3) The credit card has been withdrawn by the issuing bank for 45 days because of its poor reputation and being included in the stop payment list;

(4) the cardholder dies for some reason, and the card issuing bank has recovered his credit card for 45 days;

(5) The cardholder requests the account cancellation or guarantor to cancel the guarantee and has returned all the credit cards for 45 days;

(6) there has been no transaction in the credit card account for more than two years (inclusive);

(7) The cardholder violates other regulations, and the card-issuing bank thinks that the cardholder should be disqualified.

article 6 of the measures for the administration of credit card business: if a cardholder overdraws with a company card, his company shall be responsible for the repayment of the overdraft amount and the payment of overdraft interest. If the cardholder overdraws by using the supplementary card of the personal card, the cardholder of the main card shall bear the responsibility of repaying the overdraft amount and paying the overdraft interest; If the cardholder of the main card loses the ability to repay, the cardholder of its subsidiary card shall bear the responsibility of repaying the overdraft amount and paying the overdraft interest.