The central bank informed the credit card that it was overdue and became a bad debt. Now that the debt has been paid off, will it freeze the account under its name?

The "bad debt" of credit card means that the bank has paid off the debt for you, so you don't have to pay it back. There are many overdue customers in credit cards every year. If the proportion of overdue bad debts of bank credit cards exceeds the regulations of the regulatory authorities, they will be fined. Therefore, there will be a batch of "bad debts" in banks every year, and the bank will not freeze your account!

Credit card "bad debts" will accompany the central bank for the rest of your life, and the worst result is that you will cut off contacts with the bank in the future, such as mortgage, car loan and loan, and basically say goodbye to others. If you have money in the future, you can negotiate with the bank whether you can accept repayment. If you can, the central bank's credit record will be kept until the fifth year after repayment.

If you care about your credit report, if you plan to buy a car, a house or a loan in the future, you must not overdue your credit card. After all, it is the credit age. In fact, most overdue people are forced to do nothing. Just like the big market and epidemic situation in recent years, there are not a few people who have overdue credit cards. If a credit card is used well, it will be a treasure. If it is not used well, it will be a bottomless pit ...

Credit cards should be cancelled.

No matter what the account status is, it will be fine if the amount owed is paid off, and your personal account will not be frozen.

However, it will still have an impact on credit investigation. For example, it will be difficult to make further loans, especially credit loans (including credit card applications).

fortunately, there is a new policy now, and your credit information can still be saved. The bills of existing accounts will not be overdue within five years, so don't apply for online loans.

after 5 years, your credit information will have no influence on you.