One is that banks think that credit card transactions are abnormal and may be attacked by hackers or other lawless elements, so for the safety of cardholders, banks will freeze credit cards, which will lead to the suspension of credit cards.
Another reason is that the cardholder fails to repay on time for more than three months in a row, and the issuing bank has the right to unilaterally stop using the credit card. In this case, even if the credit card is disabled, the cardholder's bill still exists, and the late payment fee and interest will continue to increase. If the amount meets the requirements of the bank, the bank can sue the cardholder, and the cardholder with a larger amount will be punished.
Note: If the first reason is to stop using the credit card, the handling method is as follows: the cardholder can call the issuing bank and ask the bank to reissue the credit card, open the card directly after getting a new card, and cut off the original credit card at the same time. If the credit card is suspended for the second reason, the solution is as follows: after the credit card is suspended, the cardholder had better repay it in full, and at the same time, in order to avoid the blacklist of credit records, it is best to reactivate the credit card and repay it for 24 consecutive periods on schedule to offset the original bad credit records.