In daily life, many small partners will have no funds to repay after using credit cards, resulting in overdue penalty interest on credit cards. Therefore, many small partners will apply for a suspension of credit card swiping. So, how do you apply to suspend your credit card? Let's take a look with Bian Xiao!

How to apply for credit card cancellation?

1. Call customer service to apply.

You can apply to the credit card customer service of the bank where the credit card is located. The cardholder can call the customer service of the credit card after the deadline, transfer to manual service according to the voice prompt, and then apply to the customer service to stop payment. After verifying the cardholder's information, the manual customer service will apply for stopping payment for the user, and then the cardholder only needs to wait for the bank's audit and the approval result.

2. Apply at a bank outlet.

You can bring your ID card and bank card to the branch counter of the relevant bank to handle business. We must show a sincere attitude when handling it. If we are really unable to repay it at present, we must express our willingness to repay it actively.

The harm of stopping to pay the bill

1. After the negotiation is successful, there will be a finger on the credit report, which means that it is basically insulated from all bank loan businesses and credit cards.

2. After the negotiation is successful, there can be no overdue, because once overdue, the previous agreement will be invalid, and the interest will be compounded according to the amount before the negotiation, so you must consider your repayment ability when negotiating, and don't blindly reach this agreement.