If the credit card is in arrears, the bank will generally not cancel it for you, but will only freeze it. Credit card freezing does not affect your credit card repayment.

Landlord, if you are sure that your credit card has been cancelled, then this situation will be very troublesome. Landlord, go to the local card department first, check how much money you owe and make up. This kind of business card department will generally accept it.

Only after you pay off your debts will your bad record be eliminated within five years. If the debt is not repaid, the record will always exist.