If your credit card is not overdue, you can apply for an interest suspension. Taking Shanghai Pudong Development Bank as an example, users need to know and confirm that the amount owed clearly exceeds the individual's repayment ability, and there are reasonable reasons for being unable to repay, such as unemployment, illness, or other force majeure factors. If the user intends to repay the credit card, the user must actively negotiate and communicate with the bank before the credit card expires. Users can divide their arrears into up to five years for repayment. After signing a contract with the bank, the bank credit card will no longer accrue interest. The above is the relevant content of whether you can apply for suspension of interest rate and hanging account if it is not overdue. Will the minimum payment on a credit card affect your credit score?

The minimum payment on a credit card will not affect your credit score, but a certain amount of interest will be charged. However, after paying off the minimum payment on a credit card, the longer the remaining balance is deferred, the higher the compound interest charged by the bank will be. Moreover, if the credit card always only repays the minimum repayment amount, the bank will think that the customer's income and repayment ability are limited, which will not be conducive to applying for a loan from the bank later. For users who are unable to repay the full amount, although the minimum repayment on a credit card can alleviate the repayment pressure, users should try not to always choose the minimum repayment, because always choosing the minimum repayment will cause higher and higher interest rates. If it is overdue, it will not only affect your credit report, but also hinder you from applying for other credit services in the future. Therefore, if the user has money, it is best to repay in full. Why can’t you withdraw cash if your credit card has a limit?

1. Use more than half of the credit card limit: The cash withdrawal limit on a credit card is generally only half of the available limit, so if the credit card has used up the cash withdrawal limit, Then the remaining amount can only be used for transactions, and the user cannot withdraw the remaining amount;

2. The amount of cash withdrawal is greater than the amount of cash that can be withdrawn: If the user withdraws cash, the amount of cash withdrawn is greater than the amount of the credit card If the cash withdrawal limit is available, cash cannot be withdrawn;

3. Abnormalities in the credit card: If there is an abnormality in the credit card, such as the limit being frozen, the user will not be able to withdraw cash. At this time, the user can only pay back the money. Withdraw the amount.

This article mainly writes about the relevant knowledge points of whether it is possible to apply for a suspension of account if it is not overdue. The content is for reference only.