After the cardholder handles suspension of accounts, the corresponding record will be displayed in the personal credit report. Although you may not be overdue after the interest rate is suspended, you are still considered a dishonest customer in the eyes of the bank, and your credit card, bank loan and other services will be rejected. After suspending the interest rate and suspending the account, you must repay the loan on time as stipulated in the agreement. Otherwise, overdue payment will affect your credit report and be collected by the bank.

Suspension of payment and overdue payment will have an impact on personal credit report. Moreover, users who have applied for a credit card suspension are more likely to be rejected if they want to apply for a credit card limit increase after that. The appearance of suspended debt on the manager's credit report will have a relatively large impact on it, and if it is overdue, it will also have a series of negative consequences.