1. Long-term empty card: For example, the credit limit of a credit card (debit card) is 3,000 yuan, and the card is emptied every month, and then it is idle for a long time. This is called a long-term empty card. When the bank detects this card, it will reduce the amount and stop paying.

2. Long-term minimum repayment amount: This situation shows that the cardholder's economic situation is poor and his repayment ability is insufficient. For the sake of risk control, the bank will stop paying the user's credit card (debit card).

3. Long-term dormant and frozen state: after the credit card (debit card) is activated, it is idle for a long time, so that the bank will stop paying for this card.