The user will not be eligible to use the credit card.

Writing off is a method of dealing with non-performing assets. For example, if the credit card used by the cardholder has a bad credit record, the bank will write off the user's credit card and cancel the user's qualification. As for credit card debts and overdue debts, users still need to continue to repay them. It does not mean that if the credit card is cancelled, all debts will no longer need to be repaid. Credit card write-offs can be regarded as a risk-avoiding measure for banks. After all, banks need to bear more risks if they continue to lend money to such high-risk users.