Having credit card (debit card) payments stopped will have a certain impact on your personal credit report. When a credit card is stopped, the bank reports this information to the credit bureaus, which add the record to the individual's credit report. This record will have a certain negative impact on an individual's credit rating.

Specifically, a credit card payment stop will cause an increase in overdue records on your personal credit report. Overdue records are one of the important indicators used by credit reporting agencies to evaluate personal credit status. The more overdue times and the longer the overdue time, the lower the personal credit rating will be. Therefore, a credit card payment stop will lower an individual's credit rating, thereby adversely affecting an individual's credit profile.

In addition, having your credit card stopped may also limit your personal credit limit. Banks look at an individual's credit rating when deciding whether to extend a line of credit to an individual. If an individual's credit rating is low, the bank may reduce the credit limit or refuse to provide a credit limit, thereby affecting the individual's ability to use credit.

Therefore, in order to maintain your personal credit status, it is recommended to pay off your credit card debt in time to avoid having your credit card stopped paying. If you really encounter financial difficulties and are unable to repay your credit card debt, you can negotiate with your bank to formulate a repayment plan to avoid any negative impact on your personal credit.

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