Determine based on the actual situation:

If the user voluntarily applies for a payment stop and finds the bank to lift it, it will be lifted immediately within 1-3 working days.

If users find that their credit card is lost or stolen, they can call the bank’s customer service number to apply for a payment stop.

If the user has overdue debts and is stopped by the bank, he needs to repay the debts. After the bank's evaluation, it will be lifted in about 6 months.

If the user's credit card expires or is in arrears, the bank will suspend the user's use of the credit card until the user pays off the balance.

If a user is suspected of violating credit card payment, it usually takes 3-6 months to be lifted.

If the user uses the credit card to cash out, swipe the card or participate in fraud, the credit card will be stopped. Whether this situation is serious or not can only be assessed by the bank. If it is very severe, there is no way to return to normal.

Which is more serious, credit card payment stop or overdue payment?

Credit card payment stops are more serious. Stopping payment on a credit card is, to put it bluntly, a very dishonest act. No matter what the conditions, you are unwilling to repay the debt and stop paying the debt, resulting in overdue credit card debt and bad debts. This kind of behavior is based on the escalation of overdue credit cards and is a completely shabby behavior.