Three situations of credit card deactivation:

No matter what the reason is, you can call customer service first to find out the situation, then explain the reason to the bank, and finally apply for cancellation of payment. As long as the bank approves, it will stop paying and your credit card can be used normally.

Stop payment usually occurs on credit cards, and savings cards are frozen or restricted from coming out of the cabinet. Banks or cardholders can stop paying by credit card. Generally, when the cardholder finds that his credit card has been stolen or there is an unknown transaction, he will call the customer service to apply for stopping payment. After the risk is relieved, apply for the termination of payment. Therefore, stopping payment by credit card is a function of credit card. Of course, closed credit cards are similar to closed credit cards. It can't be used normally, but stopping payment is different from freezing. The frozen credit card is almost a card, and the possibility of thawing is very low. However, the stop payment credit card can still be used normally after the stop payment is lifted. The most common thing is to stop paying after the credit card is overdue. It usually happens after the credit card is overdue for one month. At this time, your credit card will be stopped. Credit cards can be reused if they are repaid in full and on time. But if you still don't handle the credit card arrears, then the bank will freeze your credit card next. Once frozen, even if the debt is paid off, the credit card cannot be restored.

If the credit card is deactivated due to special circumstances, the status of the credit card in the credit report is also deactivated. Then in this case, it will affect your credit information. If you apply for any credit card or loan, it will be rejected. Therefore, stop payment must be handled in time. If the bank asks you to provide all kinds of certificates, but you can't provide them, then at this time, you can only cancel your credit card and eliminate the stop payment. If you cancel your credit card, the cancellation will appear in the credit report. Then it will overwrite the original stop payment status.

So to sum up: if the credit card is stopped, you can call customer service. Apply for cancellation of payment stop. If the bank can't cancel, then at this time, you can apply for canceling the credit card, and you can eliminate the payment suspension status. However, in general, the suspension of payment can be lifted.

Related Q&A: How does Industrial Bank cancel its credit card? Methods: Call the customer service of credit card and transfer to manual service, and directly apply to the manual customer service for cancellation of credit card. Or cancel the bank counter, just like selling cards at outlets, you need to bring necessary documents, such as ID cards and credit cards. Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. Function of credit card: 1. It is convenient for people's lives and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee. 2. Be able to participate in various discount activities in cooperation between merchants and banks; 3. The points earned by credit card spending can be exchanged for gifts; 4. Timely repayment after swiping the card will enhance the credibility of personal banks. The credit card repayment methods are: 1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money. 2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards. 3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card. 4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function. 5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter. The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the total amount owed and the minimum repayment amount in the current period, and send a statement for you. This date is your credit card bill. The repayment date refers to the latest date when the credit card issuing bank requires the cardholder to repay the payable amount. In other words, after the issuing bank issues the bill, you should pay off all the expenses you have consumed before the due repayment date.