if you are found by the bank to be suspected of cashing out, you are advised to stop cashing out and take the initiative to contact the bank to resume card use or cancellation.
many people think that since overdue has affected the credit history, I will not pay it back and apply for a credit card at another bank. Xiaobian wants to remind everyone:
First of all, if it is overdue for a long time, the bank will call you to urge you to pay back the money. If you can't pay back, the bank has the right to sue in court. It is difficult to deal with falling out to the point of prosecution;
Secondly, the overdue credit card affects the credit history, and the credit stain will be recorded in your credit information system. If you want to apply for other bank loans and credit card business, the bank will check your credit report. If there is a record of default, the bank will generally not accept your application.
Therefore, it is suggested that we should find a way to pay back the arrears, and the card will naturally resume after stopping, and then it will take about half a year to accumulate good credit records of credit card swiping and repayment, and cover the original bad records with good records. This is the correct approach. Or you can cancel the credit card after repayment. The credit card is only for emergency use. If it is not used well, it will only over-stimulate the desire for consumption, and as a result, the more you swipe, the more you owe.