The credit card limit of Bank of Communications is limited, and the bank suggests returning the card. What should I do?

1. If you still want this credit card, you need to pay it off as soon as possible (paying it off once will increase the chance of lifting the ban), call the bank credit card center to apply for opening it, and then wait for the credit card center to approve it.

If you don't want this credit card, you can only cancel it. Because bad records have been produced and there is no way to eliminate them, even if they have a good reputation in the future, the bad records that have been produced will still exist.

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1. Bank of Communications credit card cancellation method:

1. Call the bank credit card center to inquire about cancellation;

2. Cancel by credit card;

3. Cancel the credit card at the bank counter:

(1) Prepare the ID card; (2) Pay off the arrears; (3) Go to the bank counter to cancel the business.

Note: If you need to use a credit card after cancellation, you can reapply.

Second, the bank credit card was stopped. If left unchecked, the consequences are:

1. If it is overdue for a long time, the bank will urge the repayment. If the repayment is still not made, the bank has the right to bring a lawsuit to the court. It is difficult to deal with when suing;

2. The overdue credit card affects the credit record, and the credit stain will be recorded in the credit information system. If you want to apply for other bank loans or credit card business, the bank will retrieve the credit report. If there is a record of non-repayment, the bank will generally not accept the application.

Tip: Therefore, if you pay the arrears, you may resume card suspension, and then it will take about half a year to accumulate a good credit record of credit card swiping and repayment, and cover the original bad record with a good record. This is the right way.

Pleasant loan official website-Bank of Communications credit card limit is limited.