Stop payment means to stop payment, or suspend payment or prohibit payment. After the card expires, you have to go to the bank to apply for a new card. If there is any balance or overdraft in the original stopped payment card, it will be transferred to the new card.

Credit card payment stop is a preventive measure taken by banks to strengthen management, ensure security, and prevent counterfeit and lost cards from being used to cause losses and adverse effects. At the same time, it is also an important step to stop payment of the main card or supplementary card at the request of the cardholder and reduce the cardholder's losses and risks.

(1) Scope of credit card stop payment: Credit card stop payment is generally divided into cardholder's initiative to stop payment, card issuing bank to stop payment, head office to stop payment and cardholder's initiative to cancel.

(2) Types of payment stop: ①Report lost card; ②The main card requires stop payment of supplementary card, and the unit requires stop payment of company card; ③Credit cards that exceed the limit and fail to repay within the time limit; ④Current period emergency stop payment card. When reporting loss and suspending payment, you should pay attention to the following points:

1. The person who lost the ticket has the right to stop payment.

2. It must be timely. If payment has been made before reporting the loss, and there is no malice or gross negligence, the person who lost the note shall bear the consequences.

3. Loss reports should be in writing. In exceptional circumstances, a verbal procedure such as a telephone call may be used, followed immediately by a written procedure.

4. The lost instrument must be a legal and valid instrument that has been seized, confiscated or awarded to another person by a judicial authority. The original obligee shall not apply to report loss and stop payment.

5. You should apply for publicity of claim or file a lawsuit with the People's Court within 3 days from the date of reporting the loss.