There are three kinds of credit card stop payment: the cardholder stops payment voluntarily, the issuing bank stops payment and the head office stops payment. You can apply for account cancellation if you take the initiative to stop payment, provided that the credit card is risk-free and does not need to be protected by the card. You can apply to cancel the payment stop through the bank's telephone customer service center, or you can apply to the local bank outlet with your ID card, credit card and credit card voucher to cancel the payment stop by credit card. If the issuing bank stops payment or the head office stops payment, you can first understand the reasons for stopping payment and then negotiate with the bank to solve the problem.