At present, the credit card is in the stop payment state, so you can cancel the card directly, but there are preconditions. Under normal circumstances, the types of credit cards whose payment is stopped include loss reporting cards, overdue credit cards, supplementary cards whose payment is requested by the main card, etc. It is suggested not to cancel the card immediately, because once the card is cancelled, it will be affected if the credit card is overdue or overdrawn with a bank limit. After the People's Bank of China's credit report is updated, the payment stop status of the credit card will not change, and it will always be stopped, and the payment stop caused by overdue behavior will become a bad credit record, which will affect personal credit investigation.

1. What are the types of credit card stop payment

1. Loss reporting card;

2. The main card requires to stop paying the subsidiary card, and the company requires to stop paying the company card;

3. Credit cards that exceed the limit and fail to repay within the time limit;

4. Emergency stop payment card in this period.

2. Under what circumstances will the payment of the credit card account be stopped

1. The cardholder voluntarily applies to stop payment: due to personal special circumstances, such as the loss or theft of the credit card, the cardholder voluntarily applies to the bank for a protected stop payment. In this case, the stop payment will not affect the credit status of the cardholder;

2. the bank stops payment: the bank can monitor the cardholder's card usage in real time. once it finds illegal use of credit cards, overdue, false application for credit cards, theft or other potential risks, the bank has the right to stop credit card payment to protect the safety of funds.

third, how to avoid the credit card account being stopped?

1. Cardholders should develop good repayment habits and return the money in time before the repayment due date;

2. Cardholders should standardize their card-using behavior, and it is strictly forbidden to maliciously overdraw, withdraw cash, fraudulently use cards and other bad behaviors;

3. After successfully applying for cancellation of payment suspension, the cardholder must use the card legally and reasonably, otherwise, the payment may be stopped again, and the second payment suspension by the bank will not be cancelled.

iv. how to apply for termination of payment?

if the above conditions are met, the cardholder can apply to cancel the payment suspension status through the following channels: calling the bank credit card customer service center to apply for payment suspension; The cardholder applies to the front desk of the card issuing center with his ID card, credit card and credit card credentials.