Credit cards can still be used, but for those who already have bad information, banks will be the focus of risk control and attention. Once the information is completely mastered, there are two main ways to deal with it:

1. Reduce the credit card limit. For people who already have bad consumption records, the repayment ability is naturally questioned. Although the bank will not directly seal the card, it will reduce the limit through risk control to avoid the bad debt risk of the bank. Some people's limits may even drop directly from tens of thousands to thousands or even hundreds.

2. Limiting the credit card limit will deduct the credit card limit. No matter how many credit cards you apply for, the credit card quota is relatively fixed.

Tips: The above explanations are for reference only. After the credit card expires, the cardholder still needs a stable job and income to solve the problem of overdue credit card. Even if he has no job for the time being and the repayment environment is good, he should actively communicate with the bank, don't avoid it, and face his debt problem correctly.

Reply time: 202 1- 10-28. Please refer to the latest business changes announced by Ping An Bank in official website.