For a time, major banks increased their risk control efforts, and many cardholders' credit cards were stopped because they touched the risk control point, so they broke the jar and thought that since the banks would not allow them to use their cards, they would simply not repay them. Anyway, they may not be able to use the card after paying back the money. Is this really feasible? If not, how can I repay my credit card if it is stopped? Let's have a look.

Do I have to return my credit card when it stops?

That's for sure. The credit card has stopped, but it can't be used. If Cary still has money, be sure to pay it back. Of course, you can choose not to return it at will, but the consequences will be more serious. After all, if the credit card fails to repay within the specified time, it will be overdue first, leading to bad credit, and nine times out of ten, it will be refused to handle credit cards, mortgages, car loans, etc.

In addition, you will be subject to various collection methods of the bank. If the overdue time is more than 3 months, and the outstanding principal reaches 50,000 yuan after two effective collections by the bank, then you will constitute a credit card fraud, and the bank will report the case to the public security organ, and then you will be arrested and punished. Therefore, it is better to pay back the money.

Then, my credit card has been stopped. How can I repay it?

If the credit card is stopped, it can't be used, and it can't be repaid directly at the ATM, but it can be repaid through the network channel:

1, mobile banking repayment: most banks' mobile banking interbank transfers are free, and the arrival speed is relatively fast, and the accounts can be received in real time at the earliest.

2. China UnionPay Express APP Repayment: Now Alipay, WeChat and credit cards all charge. If you want to repay for free, you can use China UnionPay Express APP. There are 2 1 banks that can repay for free. Generally, the repayment can be received on the same day, which is quite fast.