Bank customer service generally suggests cutting the card into pieces. After all the money is paid off, there will be no bills, otherwise there will be bills, and the arrears must be paid off. If you have extra money, go to the counter and take it out.

If the card is stopped, it will not only affect whether it can be used, but also affect whether it will be reported to the People's Bank of China after it is overdue. It is best not to submit the report, but it is a bit mysterious if it is overdue for 3 months. Let me give you some advice:

1. Starting from the next bill, full or minimum repayment according to the bill is enough. Contact customer service immediately after paying off all the money, explaining that it was unintentional fault and seeing if it can be restored.

Never cancel your credit card, this must be remembered. Because once cancelled, the bad credit record will stop updating, thus leaving a bad record forever. Even if the bank calls you to cancel the card, you can't cancel it. As long as there is a balance in your account, that is, more than a fixed amount, even the customer service can't return the card. In this way, the bank will also report your repayment situation, and by 1-2 years, the original bad credit record can be covered.

3. Pay attention to the status of the credit card on your credit report. It must not be an abnormal status such as suspension of payment. In this way, the next step is to repay the loan on time and try not to leave a stain record.