If you only pay one yuan less, the bank will not suspend your card.

However, when you pay less, the bank will think that you have not repaid, and interest and late fees will accrue. This interest is compounded, and over time, you will still owe a lot of money.

In addition, check whether there are any annual fees and other issues that have not been repaid. Try to find out how much you owe, and pay it off quickly, then call the bank, open a credit card, and swipe the card well and frequently to cover the bad records caused by the previous one yuan.