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Does it matter if the credit card is deactivated?
Many cardholders think that they can swipe their cards at will as long as they have done a good job, and banks can't do anything about themselves, but this is not the case. Many card friends used their credit cards illegally, and as a result, their credit cards were stopped. At this time, they were afraid that their credit records would be affected. In fact, the cancellation of credit cards may not necessarily affect the credit investigation, but the specific situation should be analyzed in detail.

after the card is stopped, the most direct impact is that the card can't be used. Even if there is a consumption limit on the card, you can only watch the limit disappear. After the bank takes back your card, you can't use it any more, or even never use it.

although there is nothing wrong with not being able to use a credit card, if your personal credit is affected by canceling your credit card, it will not be worth the candle.

However, under normal circumstances, the cancellation of a credit card will affect the credit record for the following reasons:

If the credit card is overdue:

If the credit card is slightly overdue, it will not be stopped. Generally, it will be stopped due to overdue, at least for more than 3 months, and the overdue credit card will affect the credit investigation. In addition, if it is overdue for more than 3 months, and the bank's two effective collections have no results, it may bring a lawsuit against the card owner, and this consequence will be more serious.