According to the regulations of the bank, credit card payment suspension can be divided into two situations: the cardholder actively applies for payment suspension and the bank stops payment. Taking the initiative to apply for stopping payment will not affect personal credit information, but the bank's automatic stop payment will affect personal credit information. For a credit card that voluntarily asks the bank to stop payment, the cardholder may ask the bank to cancel the payment stop status. So, what if the credit card cannot be released after the payment is stopped?

What should I do if my credit card can't be released after I stop paying?

If the cardholder encounters a credit card that cannot be cancelled, in order to avoid the influence of the card on personal credit information, the credit card holder can cancel after paying off the credit card debt. It should be noted that the cancellation of a credit card depends on whether the card is cancelled or the account is cancelled. If there is no other peer credit card, cancel the account directly, and it will be a new account after half a year. It is more cost-effective to handle the credit card of this bank and enjoy the card opening ceremony of the new account.

Generally speaking, as long as the account exists for one day after the credit card is stopped, the annual fee will still be deducted every year, so cancellation is one of the best methods. In order to prevent the payment of credit cards from being stopped, it is suggested that cardholders standardize the behavior of using cards and prohibit bad behaviors such as malicious overdraft, cash withdrawal and fraudulent use of cards.