Credit cards are often suspended because of overdue problems. If normal use is to be resumed, the cardholder shall promptly pay off all overdue debts in one lump sum. After that, personal credit will be gradually improved, and new records will gradually cover the old bad records, and enough good records will be accumulated before the bank can unfreeze the card and resume its use.

Card friends should be mentally prepared. If the credit card is stopped due to overdue, they can't repair the credit quickly in a short time, so they can only spend more time patiently. If it continues to be overdue, there will be serious bad records in the credit report.

Second, how to stop using the credit card if it is not overdue?

1. Cash withdrawal by cardholders is an illegal operation, which will increase the risk of credit card accounts and the credit card may be deactivated.

2. The cardholder continuously enters the wrong transaction password when swiping the card, which leads to the account being locked, which naturally leads to temporary unavailability.

3. The banking system detects that the recent transaction is risky and suspects that the card has been stolen by others.

4. Frequent card swiping during normal business hours of non-merchants, such as early morning and midnight, causes the card-issuing bank to be suspected of cashing out.

5, always brush it once and then go in, cycle back and forth, and even often brush the "explosive" credit card.

6. The cardholder's name is loans overdue, resulting in bad information recorded in the credit report, which may indirectly affect the use of credit cards under his name.

If my credit card is suspended after the deadline, do I need to cancel my account?

If your credit card is suspended after it is overdue, you will continue to use it in the future, or you plan to continue to use it in the future, then you don't need to close the account, pay off the overdue debt, and you can continue to use the card after it is restored.

If you don't plan to continue using the card in the future, you can pay off the overdue debt first and then close the account (you can't close the account when the card is in arrears).

There is a small detail to note here: credit card cancellation is different from card cancellation. If there is only one card in the user's credit card account, you can cancel the account directly without having to cancel the card.

Here, I would like to share with you how to resume the use of credit cards after they are stopped. You should have found the answers to these questions, such as how to stop payment when the credit card is overdue and whether it needs to be cancelled. Thank you for your patience.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication.