Whether the credit card can still be used after the suspension of suspension of payment mainly depends on whether the credit card applied for suspension of suspension of payment has been frozen. If it has not been frozen, it can still be used after applying for suspension of account suspension. If the credit card is frozen, it cannot be used after applying for suspension of interest payments. If the credit card still has available credit and has not been blocked when the cardholder applies for suspension of interest payments, it can continue to be used. If your credit card is frozen due to serious overdue payment, you will no longer be able to use it after applying for a suspension of payment. Cardholders must find ways to pay off the outstanding balance after applying for a suspension of interest payments.

In other words, if the cardholder applies for suspension of interest payments and the credit card still has its available limit and has not been cancelled, the card can continue to be used. If a credit card is frozen due to serious delinquency, the credit card will no longer be able to be used after applying for a suspension of debits. Cardholders must try to pay off the balance after applying for an interest suspension.

Will my credit be restored after paying off the suspended debt?

No. It will remain on the credit system for 5 years from the date the overdue debt is paid. After five years, the credit system will automatically delete overdue records. Therefore, cardholders should pay off past due balances immediately and check their credit. Although there is still a bad loan record on your credit, the negative impact of a bad loan record that has been paid off will be reduced.

The sooner the user pays off the overdue balance, the sooner the overdue record will be deleted. If the payment is overdue, the overdue record will be retained and will not be deleted immediately after the suspension of payment. Users are only allowed not to add new overdue interest during the overdue period, and users can repay the loan principal, interest and overdue interest within the agreed period.