Credit card deactivation means that credit card issuers or customers decide to deactivate their credit cards at their own discretion and will no longer use them in the future. Credit cards are usually stopped to avoid high interest rates and fines, or because credit card holders have financial difficulties. In addition, the suspension of credit cards is also conducive to protecting personal credit records and avoiding credit losses.

Credit card deactivation needs to follow a specific process. First, you need to contact the credit card issuer and tell them that you intend to stop using credit cards. The card issuer may ask you to provide relevant information in writing or online to prove that you are a credit card holder. After confirming your identity, the issuing bank will stop using the credit card and notify the relevant billing companies and merchants to prevent you from being cheated without knowing it.

The suspension of credit card use may affect your personal credit history. If you accidentally violate the credit agreement, such as arrears or overdue repayment, these problems may affect your ability to apply for other financial products in the future. Therefore, if you need to stop using your credit card, please make sure that you have paid off all the balance and contact the issuing bank to ensure that your credit history will not be adversely affected.