1. The customer accumulated a certain amount of debt when using the credit card. This may be caused by spending more than the credit limit or not paying the credit card bill on time.
The customer decides to pay off the credit card in full. They can apply through the bank website, mobile phone or go to the counter for repayment.
Once all the debts are paid off, the customer's credit card account will show zero balance. This means that they have paid off all their debts and their credit cards can be reused.
Customers can continue to use credit cards for shopping, paying bills and other consumption activities. Their credit limit will be determined according to their personal credit score and their relationship with the bank.
Banks usually regularly evaluate the credit status of customers and may adjust the credit limit. If customers have a good repayment record, banks may increase their credit limit.
6. If customers continue to be in debt and can't pay their credit card bills, they will face the problem of arrears again and may be negatively affected by their credit scores.
Summary: Once the credit card debt is paid off, the customer can continue to apply for a new credit card. However, customers need to pay attention to avoid accumulating arrears again in order to maintain a good credit record and credit score.