1. Benefits: According to the information of China Travel Service. Com, the penalty interest can be reduced, and there is no need to bear the high penalty interest that has already been generated; Stop, do not raise interest rates for up to five years, and repay the principal every month; No longer be levied and prosecuted; You can also pay a small repayment every month, so you don't have to worry about fear anymore, and you can also experience more efforts.

2. Hazard: the suspension of suspense account is overdue, and there is a bad credit record at this time, which will be recorded in the credit report; If the account is suspended, it will be overdue. If the arrears are not fully settled, you cannot apply for a new credit card. During this period, if you want to buy a house or a car, it will be affected; If the interest is not repaid as agreed, the bank will re-collect it, and the previous agreement will be invalid, and even be sued for credit card fraud. The earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.