1. Does the suspension of account suspension affect other bank credit cards?

the suspension of the account suspension affects the credit cards of other banks, and other credit cards are likely to be downgraded. In any of the following circumstances, the credit cards will be downgraded:

1. Cash withdrawal in violation of regulations.

illegal cashing will cause the issuing bank to reduce the credit limit of the cardholder's credit card or suspend the cardholder's credit card use.

2. repayment is often overdue.

except for the suspicion of cashing out, if the credit card holder often fails to repay on time, the bank will think that the cardholder does not have the ability to repay on time, thus reducing the credit card limit.

3. The line is wasted.

if the credit card is not used for a long time or the amount spent for a long time is less than 3% of the limit, the limit may be reduced.

second, what are the conditions for credit card suspension?

1. Make sure that the credit card debt exceeds the cardholder's repayment ability.

2. Cardholders should be willing to repay. This refers to the monthly payment after the overdue period and the active communication and consultation with the bank, rather than changing the contact information immediately to avoid bank collection.

3. Give appropriate reasons. Due to external factors, the loan is not repaid according to the repayment date, because of unemployment or illness and other reasons.

3. What are the circumstances under which a bank can cancel a credit card account?

1. after 45 days after the credit card expires, the cardholder does not replace the new card.

2. if there is no supplementary card, the credit card will not be replaced after 45 days of loss reporting.

3. The credit card is listed in the stop payment list, and the card issuing bank has withdrawn its credit card for 45 days.

4. The cardholder dies, and the issuing bank has taken back his credit card for 45 days.

5. The cardholder asks the account cancellation or guarantor to cancel the guarantee and has returned all the credit cards for 45 days.

6. There is no transaction in the credit card account for more than two years.

7. The cardholder violates other regulations, and the issuing bank thinks that the cardholder should be disqualified.

4. What are the conditions for handling a credit card in a bank?

1. The applicant must be over 18 years old;

2. The applicant should have a work unit and a stable income;

3. The applicant's personal credit information should meet the requirements of the credit card center;

4. The applicant should have a fixed residence.

If the account has been suspended, it means that the cardholder's financial situation is already very difficult. Even if more than one credit card has been applied, the cardholder should not use other credit cards for spending. If the credit card is used for spending without debt repayment ability, if it is not paid and the amount owed is large, it is a malicious overdraft and the cardholder will be sentenced.