When the credit card is stopped, try not to close the account soon, and choose according to your own situation. Credit cards that have been paid off after the deadline can continue to be used. This previous record will be overwritten with the passage of time, and the previous overdue period will be kept for up to 5 years, so don't cancel the credit card after the overdue period. Faced with the so-called credit card problems, that is, credit card overdue, credit card overdraft, credit card debt is not good. As a cardholder, the correct way is to reach a consistent repayment agreement with the bank as much as possible. That is, reach a detailed agreement with the bank on the time, method and amount of repayment. At the same time, we must control our daily consumption. Credit card cancellation is as follows:

1. The credit card has been paid off. If there is no arrears and no overdue record, the cardholder can choose whether to cancel according to his own card demand; If the credit card has an overdue record, it is best not to cancel it even if the debt is paid off. Continue to use the card and maintain good credit behavior. After 2 years, the new record will cover the old bad record, and the old record will no longer affect the personal credit investigation behavior, otherwise it will take 5 years to clear the bad record.

2. Because credit cards usually have an annual fee, they will be charged even if they are not used. As long as the credit card has not been cancelled, the annual fee will still be charged. If the repayment is not made in time, it will be overdue and leave a bad credit record in the credit report. Therefore, in order to prevent the annual fee of the card from being overdue and affecting personal credit, the cardholder had better go to the bank to cancel the card business after deciding not to use the card.

Credit cards can still pay the minimum repayment amount after the repayment date, but whether it will affect personal credit depends on how long after the repayment date. Generally speaking, the minimum repayment amount within 3 days after the credit card repayment date will not be overdue and will not affect the personal credit report. However, if it is more than 3 days after the credit card repayment date, whether the minimum repayment amount has been paid or not will be considered overdue, which will affect the personal credit report. In practice, banks generally give cardholders a grace period of 3-7 days after repayment, that is, as long as they repay in time after repayment, they will not be overdue. The grace period varies from bank to bank, but it is usually about three days. Therefore, whether you repay according to the bill amount or the minimum repayment amount, you should try to repay within three days after the repayment date.

legal ground

Article 60 of the Law of People's Republic of China (PRC) Commercial Bank, commercial banks shall establish and improve the auditing and inspection system for deposits, loans, settlement and bad debts. A commercial bank shall regularly audit, inspect and supervise its branches.