Stop payment on a credit card will not necessarily result in the cardholder being blacklisted. If the cardholder actively requests the bank to stop using the credit card to protect the security of the funds in the card, this situation is usually not considered bad behavior and will be blacklisted. The cardholder can communicate with the bank, explain the reasons and make a request, and the bank may suspend the use of the credit card according to the cardholder's request.

However, if the bank decides to actively stop payment on the cardholder's credit card, it is usually because the cardholder has bad card usage behavior, such as serious overdue payment, malicious overdraft, etc. In this case, the cardholder may Be blacklisted. Banks take this step to control risk and may have a negative impact on the cardholder's credit history.

Therefore, cardholders should try to avoid credit card payment stops, plan consumption and repayment reasonably, and ensure that debts are repaid on time. If there is an emergency and you need to stop paying on your credit card, you should contact the bank as soon as possible and explain the situation to avoid the creation of bad records.

Which is more serious, credit card payment stop or overdue payment?

Compared with overdue credit card payments, credit card overdue payments are more serious, because credit card payment stop is actually a manifestation of banks' strengthening management and is a measure taken by banks to prevent counterfeit cards and lost cards from being used illegally. a means of protection. In addition, credit card stop payments are often requested by the cardholders themselves. Overdue credit card means that the credit card debt is not paid within the specified time. Overdue credit card not only affects personal credit, but also the length of overdue time and the size of the debt may cause the cardholder to go to jail. Therefore, the impact of overdue payment is serious.

Under normal circumstances, credit card stop payments may not be blacklisted, but cardholders should use credit cards rationally and standardize their use to avoid the impact of credit card stop payments.