Although the use of credit cards has repeatedly stressed the need to use cards legally, there are still many card friends who still use cards illegally, which eventually leads to the card being banned by banks. Only then did I feel afraid that the credit card title would affect the credit investigation. In fact, whether the credit card closure will affect the credit information depends mainly on what causes your credit card to be blocked.

Does the credit card title affect credit reporting?

Credit card freezing is the toughest measure taken by banks, that is, your credit card is frozen, and you can no longer use the amount in your card for credit card consumption, and this frozen state will last for a long time, and it will probably never be unsealed for you.

Of course, if you simply can't use your card, it's no big deal, but if your personal credit is affected because your credit card is blocked, it's not worth the candle.

Credit card titles will affect credit investigation for the following reasons:

1, credit card overdue repayment:

Overdue credit cards will produce bad credit records and have an impact on personal credit information. However, slight overdue will not lead to bank card closure. Generally, there are too many overdue cards or the overdue amount is too large. There is also the refusal to repay after the bank failed to collect money. In addition to affecting personal credit, it will also be considered as a malicious overdraft and blacklisted by banks.

2. Illegal use of credit cards:

This mainly refers to cashing, which is prohibited by law. Banks are very resistant to this practice. Once you cash out for a long time and are caught by the bank's risk control system, the bank will seal your credit card. If the card is repaid on time after sealing, personal credit will not be affected. After all, I didn't say at the meeting that cashing is the central bank's credit information system.

The above is "Does the credit card title have an impact on credit reporting?" . In short, regardless of whether the credit card suspension will affect the credit information, if you want to use the credit card for a long time, you have to avoid the above-mentioned behavior that will lead to the suspension of the credit card. After all, compliance with the card, naturally do not have to worry about affecting the credit.