If the credit card is still available and not frozen when the cardholder applies to stop payment, then the credit card can continue to be used. If the credit card is frozen due to serious overdue, the credit card can no longer be used after the application is stopped. After the cardholder applies to stop paying the account, he must find a way to pay off the debt.

"Stop payment" means that after the card is overdue, the cardholder can't repay the credit card loan normally because the actual debt is too high, and applies to the bank for personalized installment repayment. It is a way to make a second installment of the outstanding bills of credit cards or the loans behind credit cards, so as to achieve the low monthly repayment on time within the cardholder's ability.