If the bank finds that it is suspected of cashing out, it is recommended to stop cashing out and take the initiative to contact the bank to restore the card or cancel it.
Many people think that since the overdue period has affected the credit record, I will not return it and go to another bank to apply for a credit card. Bian Xiao wants to remind everyone:
First of all, if it is overdue for a long time, the bank will call you to urge you to pay back the money. If the repayment cannot be made, the bank has the right to bring a lawsuit to the court. It is difficult to deal with the falling out to the point of prosecution;
Secondly, overdue credit cards affect credit records, and credit stains will be recorded in your credit information system. If you want to apply for other bank loans and credit card business, the bank will check your credit report. If there is a record of default, the bank will generally not accept your application.
Therefore, I suggest you find a way to pay off the arrears, and the card will resume naturally when it stops, and then it will take about half a year to accumulate a good credit record of credit card repayment, and cover up the original bad record with a good record. This is the right thing to do. Or you can cancel your credit card after repayment. This credit card can only be used in an emergency. If it is not used well, it will only over-stimulate the desire for consumption, and the result is that the more you brush, the more you owe.