1, which may lead to the rejection of users' daily credit business. Because suspended accounts are untrustworthy customers in the banking industry, when banks review users' personal qualifications, if they see suspended accounts in users' personal credit information, they are likely to doubt users' repayment ability and refuse users' loan applications.

2. Affect credit reporting. If the interest payment is stopped after the deadline, it will leave a stain on the credit information itself. In addition, although no interest will be paid during the interest payment period, according to the agreement, part of the principal and procedures will be repaid monthly. If the user fails to repay the loan on time as agreed, it will also be regarded as overdue, further affecting the user's credit information, and the bank will also collect the user.

3. Credit cards cannot be withdrawn. After the account is suspended, the bank will think that the user does not have enough repayment ability and the loan risk is high, so the user will not be allowed to withdraw cash.

Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks.

Under the special circumstances that the amount owed by the credit card exceeds the cardholder's repayment ability, if the cardholder is still willing to repay, the issuing bank can negotiate with the debtor on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed five years.