1. Serious expiration. If the cardholder has formed the habit of overdue payments, the bank will feel that the card does not meet the requirements for using the card. In order to avoid further increase in the bad debt rate, it will take stop payment measures on the credit card so that the cardholder will no longer use the credit card for transactions.

2. Abnormal transactions. When there are risky transactions on credit cards, especially when the card is withdrawn suddenly, the two transaction locations on the same day are inconsistent, or the transaction amount is too large, the bank's risk control system will conduct risk investigation based on the usual credit card use behavior. If any hidden risks are found, Credit card payments will also be stopped.

3. Counterfeit credit cards. Many criminals use high technology to imitate the texture and pattern of credit cards to illegally create blank credit card transactions. After being recognized by the POS machine, payment will be stopped, and there may also be penalties for credit card fraud. criminal penalties.

If the credit card status in the credit report is "stop payment", the cardholder must not cancel the card immediately. Once the card is canceled, the credit card stop payment status displayed in the central bank's credit report will not change. of. And the stop payment caused by overdue behavior will become a bad credit record and affect the personal credit report.