Our credit card may be stopped for the following reasons:

(1) When checking the transaction with you by telephone, our staff refused to acknowledge the transaction/refused to cooperate with the verification/the contact information was invalid/the card was not for personal use, etc. , the staff will stop paying the card;

(2) Overdue repayment occurs;

(3) The local branch stops paying the card after comprehensive evaluation;

(4) When the transaction is refused, the customer actively calls the customer service hotline to apply for stopping payment.

The above contents are for your reference. Please refer to the actual business regulations.

Will the credit card be stopped if it is not swiped for a long time?

Credit cards will not be stopped if they are not swiped for a long time. There are no specific regulations, but the limit will be lowered.

Because credit card users don't use it for a long time after activation, or the amount or number of swipes is seriously lower than the credit card limit, it will be considered that there is no demand for using the card and the limit will be lowered. If the cardholder's consumption and repayment are in good condition, the amount will be continuously increased. If the cardholder's financial situation deteriorates and the repayment record is bad, the credit card limit will be lowered for him.

This is because users apply for credit cards, even if there is no overdraft, the credit line will occupy capital and reduce the bank's capital adequacy ratio. The credit card limit is lowered, and the bank aims to reduce the capital occupation.

Extended data:

Credit cards will be stopped if they don't swipe their cards for a long time. There are no relevant regulations, but the limit will be lowered. Moreover, the personal customized charging service items of credit cards are generally charged on a monthly basis, which is deducted from the credit card quota and then included in the monthly bill of credit cards like the annual fee.

If idle credit cards are neglected in management, and personal customized charging service items are forgotten, if repayment is forgotten, it will also have a negative impact on credit reporting. In addition, if idle credit cards are neglected, once lost, they may be used by others and stolen by some lawless elements, which will also bring unnecessary trouble to life.