usually, the bank will stop the cardholder's credit card due to overdue repayment or non-repayment of the arrears. If a credit card is overdue for repayment over multiple periods, repayment on time is the most basic requirement of the bank for the cardholder, and the bank will charge interest and late fees for the cardholder who is overdue for repayment. When the cardholder is overdue for many times or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior and will unilaterally terminate the use of the credit card.

Credit is suspected of illegal cashing, and many cardholders will use credit card cashing when they lack cash flow. Due to the high risk of illegal cashing, it is easy to cause bad debts in banks. If the bank thinks that the cardholder is suspected of illegal cashing, it will reduce the credit limit of the cardholder or suspend the use of the cardholder's credit card according to the cardholder's specific situation.

in case of credit card risk, the bank will have a special system to manage the issued credit cards. When the bank thinks that a credit card has been swiped on a risky POS machine or the system prompts that a credit card has been hacked, it will stop the card for safety reasons.

Ping An Bank, the full name of which is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., one of the 12 national joint-stock commercial banks in Chinese mainland, and one of the three business pillars of Ping An Group. Its headquarters is located in Shenzhen, Guangdong.

general business items are: handling RMB deposit, loan, settlement and remittance; Acceptance and discount of RMB bills; Various trust businesses; Issuing or trading RMB securities with the approval of the regulatory authorities; Foreign exchange deposits and remittances; Domestic and overseas loans; Issuing or acting as an agent to issue foreign currency securities inside and outside China; Trade and non-trade settlement; Acceptance and discount of foreign currency bills; Foreign exchange lending; Buying and selling foreign exchange and foreign currency securities on behalf of customers, and trading foreign exchange on its own; Credit investigation, consultation and witness business; Insurance concurrent agency business; Gold import business; Other businesses approved or permitted by the relevant regulatory authorities. Business philosophy: adhere to the "three invariants", that is, adhere to the direction of retail transformation, adhere to the two core advantages of "comprehensive finance and technology empowerment", and adhere to the idea of balanced and coordinated development; Focus on creating three business cards of "digital bank, ecological bank and platform bank".