Please pay attention if the credit card "stops payment" appears in the credit report. To some extent, "stopping payment" has greater influence and consequences than "overdue".
First, the credit card "stop payment" reasons:
1. The cardholder voluntarily requests to "stop payment":
For example, if you report the loss of a credit card, take the initiative to ask for a replacement card to stop payment, and ask for a company card to stop payment.
Similar to the usual "loss reporting", cardholders report the loss of credit cards as a preventive measure to prevent the stolen credit cards from being fraudulently used and causing losses.
2. Banks take the initiative to "stop payment":
If the bank takes "stop payment" by itself, it is usually that the credit card is overdue for three months and refuses to repay after at least two effective collections, or the cardholder has serious violations in the process of using the card, which makes him really care about the bad credit record and affects his personal credit investigation.
Second, the credit card "stop payment" solution
The solution to the cardholder's initiative to ask for "stop payment" is relatively simple
1. Call the customer service center of the bank credit card to apply for stopping payment;
2. Apply at the front desk of the card issuing center with my ID card, credit card and credit card credentials.
The bank's initiative to "stop payment" should be handled according to the cardholder's violation.
After all, the premise of "stopping payment" is that the cardholder is found to have serious illegal use in the bank, and usually the application for recovery is not accepted.
Third, stop paying applications.
Only when sufficient reasons can be provided to prove that the overdue or illegal use is due to special circumstances or unintentional circumstances, banks can consider it as appropriate.
1. "Stop payment" caused by overdue credit card: After repaying overdue principal and interest of credit card, you can take the initiative to apply to the bank. However, we should know that not all applications will be allowed, and banks may also reduce the credit card limit of cardholders, or simply refuse to "stop payment" applications;
2. "Stop payment" caused by serious violation of the credit card: it is necessary to prove to the bank the credentials of normal card use, such as compliant credit card receipts, merchant invoices and even some corresponding bills of lading;
3. For some special circumstances that cause overdue problems, such as illness, imprisonment, accidents, etc. If sufficient reasons and evidence can be provided, there is almost no problem in "stopping payment" unsealing;
4. In addition, the bank will not cancel some potential risk customers of the bank, as well as acts such as handling fake cards and fake cards, no matter how they apply.
To sum up, if there is a "stop payment" status in the credit report, don't think about canceling or escaping at the first time, but face it bravely and actively solve it. After all, this "stop payment" state is likely to be lifted.
Every cardholder should also pay attention to protecting his credit in real life, and don't let his credit information have bad records such as overdue, and then he will regret it.