the record of stopping payment in credit investigation is usually that the credit card has been overdue for 3 months, and the bank has made two effective collections, but the user still refuses to repay, which shows that stopping payment will be more serious than overdue. When there is a stop payment record in the credit information, the user must actively negotiate with the bank, strive to pay off the overdue arrears as soon as possible, and delete the stop payment record; Stop payment records, like overdue records, belong to bad credit records, which are automatically deleted by the credit information system after paying off overdue debts for 5 years; The situation of credit card payment suspension is more serious; To put it bluntly, it is a very dishonest behavior that after the credit card is overdue, no matter what conditions, it is unwilling to repay the debt and stops repaying the debt, which leads to the bad debts of the credit card overdue. This behavior is an upgrade on the basis of overdue credit cards, and it is an out-and-out lazy behavior. To put it bluntly, it is a very dishonest behavior that after the credit card is overdue, no matter what conditions, it is unwilling to repay the debt and stops repaying the debt, which leads to the bad debts of the credit card overdue. This kind of behavior is an upgrade on the basis of overdue credit cards, and it is a thorough lazy behavior. Overdue credit cards mean that you have delayed repayment of debts in a short time, which is much better than stopping repayment of credit card debts. Compared with credit card suspension and overdue credit card, the situation of credit card suspension will be more serious. Naturally, its negative impact is also very far-reaching and extensive.