Points will be deducted. It is recommended to negotiate with the bank to pay off the credit card and use a savings card, otherwise a lot of interest will be deducted.

You can't apply for a credit card if you have bad debts in your credit investigation. Because the issuing bank has strict requirements for credit card applicants, the applicant's personal credit information will be checked during the audit process. Because the bad debts have not been paid yet, no bank will issue loans or bank cards as long as there are bad debts. Users need to repay in time and maintain their personal credit information before applying for a credit card.