1. Under normal circumstances, banks will not cancel customers’ credit card accounts casually. When a user's credit card is frozen by the bank because the loan is overdue, the user can no longer use the card to continue consumption and transfer cash, but the cardholder can continue to make repayments, and the account still exists.

2. However, if the user not only fails to repay the debt, but also defaults for a long time and exceeds the validity period of the credit card, then this situation is considered serious. At this time, the user's credit card is likely to be forcibly canceled by the bank, and the user's personal information will be blacklisted by the central bank's credit reporting system.

3. Once a user is included in the credit system's blacklist, all credit services will be affected, and even his or her daily travel will be greatly hindered. Once the credit report is overdue, the overdue record will exist in the credit report for at least 5 years, and it cannot be deleted manually before the record cancellation period.