1. Although it may not be overdue after the suspension, you are also a faithless customer in the eyes of the bank, and you will be rejected for handling credit cards, bank loans and other businesses.

2. Credit card withdrawal will be refused. In the same way, some banks will check their own credit information, that is, conduct post-loan management. Your credit information report shows that your repayment ability is not good. Naturally, it will not be easy to increase the quota, and it may even be reduced.

3. After the account is suspended, the repayment shall be made on time as agreed in the agreement. Otherwise, the overdue payment will also affect the credit information and be collected by the bank.

Benefits of credit card suspension:

1. The arrears can be repaid in installments after the interest is stopped. Although you have to pay the installment fee, it will not generate new interest, so you can avoid the situation of rolling interest.

2. The longest repayment period can be divided into five years, which can alleviate the repayment pressure. Just pay back the money according to the signed agreement every month.

3. After the account is suspended, the bank will no longer urge the cardholder to collect money, and there is no need to worry that the endless collection will affect the work and life.

You don't have to worry about being sued by the bank after you stop paying the bill. It is recommended that you record it before handling it, so that it can be used as a voucher.

The suspension of interest arising from the suspension of bank account means that the borrower fails to repay the principal and interest of the loan on schedule for some reason, and the bank suspends the accounting treatment of interest on schedule, leaving the balance of the loan owed and the interest book lying down for later treatment.

If the borrower fails to repay the loan according to the agreed repayment date after obtaining the loan, the loan and interest will not be repaid in a short time due to internal or external factors or reasons of the bank. For the needs of management or treatment, the loan balance is not treated with interest, but the loan principal balance and the previously unpaid interest are still recorded in the original borrower's name.

Not everyone can apply for suspension of payment. First, it is necessary to make sure that the amount owed by the cardholder exceeds its repayment ability, and the cardholder has the willingness to repay. Only on these two premises can he apply for suspension of payment. As for how to apply, it is actually very simple.

Before the final repayment date, the cardholder should call the customer service of the issuing bank in advance, tell the customer service that he is not maliciously overdue, and make it clear why his overdrawn credit card cannot be returned in time, preferably according to the actual situation.

Credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers.

The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The role of credit cards:

1. It is convenient for people's life and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. Whenever you swipe your card anywhere in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Timely repayment after swiping the card will enhance the credibility of personal banks.

The purpose of the credit card:

1. Shopping consumption.

2. Microfinance.

Save money.

4. Shopping saves money.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Credit card repayment methods are:

1, ATM repayment. Cardholders can go to the ATM of the bank to make a card deposit, and depositing money in the credit card means paying back the money.

2. Mobile banking repayment. All major banks have mobile banking software, which can be installed on mobile phones to repay credit cards.

3. AliPay repayment. Alipay has a credit card repayment function. Click "Credit Card Repayment" on the homepage, and you can repay after binding the credit card.

4. wechat repayment. There is a credit card repayment function on WeChat. Click "Me"-"Pay" to see the "Credit Card Repayment" function.

5. Repay at the bank counter. Cardholders can go to bank outlets with credit cards, ID cards and cash, and handle credit card repayment business at the counter.