Current location - Trademark Inquiry Complete Network - Overdue credit card - How to terminate credit card payment?
How to terminate credit card payment?
There are different reasons for the bank card to stop payment, and the cancellation methods are also different. Generally, bank cards that have been suspended due to legal disputes or cases involved can be lifted after the dispute is resolved or closed. If the payment is stopped due to illegal behaviors such as cash withdrawal and overdue, the illegal behavior should be stopped first, the bank losses should be paid back, and the payment can be lifted only after the good credit status is restored. Under normal circumstances, if the cardholder voluntarily applies to stop payment, it can only be lifted after the cardholder applies to cancel the payment stop. If the bank voluntarily stops paying the bank card, it shall be handled according to the following four situations: 1. After timely repayment of overdue overdraft principal and interest, the cardholder may apply to the issuing bank for cancellation of payment stop. However, the bank has the right to cancel the payment stop after reducing the amount as appropriate, or to clear the amount of high-risk overdue cardholders without canceling the payment stop; 2. The cardholder suspected of withdrawing cash must provide compliant credit card credentials before applying for cancellation of suspension of payment (such as credit card receipt, merchant invoice or bill of lading, etc.). ); 3. If the customer with potential risks stops paying, the bank shall conduct risk investigation and verification on the cardholder, and terminate the payment as appropriate after eliminating the potential risks; 4. The bank will not terminate the payment for the handling of fake cards, fake cards and other acts.