Normal, account cancellation and inactivity are all normal, and it doesn't matter.
Freeze: If the credit card expires for a long time and the credit card debt has not been repaid after collection, the bank may freeze the credit card use right. Or overdue repayment in a short period of time, banks may freeze credit cards to prevent risks.
Stop payment: it is a preventive measure taken by the bank to strengthen management, ensure safety, prevent fake and lost cards from being used by the stomach, and prevent losses and adverse effects caused by the loss of bills. At the same time, it is also an important part to stop the payment of the main card or the supplementary card at the request of the cardholder, so as to reduce the losses and risks of the cardholder.
Bad debts: loans that have been in a sluggish state for a long time due to the irrecoverable dunning may become bad debts. If this state appears in the credit report, it is extremely difficult to apply for a credit card.