Usually, the card will be stopped if it is overdue. If you want to recover, you must first pay off the arrears, and then wait until the negative impact caused by overdue is reduced before you can recover.

If the card cannot be recovered after stopping, in order not to deduct the annual fee, it is best to cancel the credit card, and choose the cancellation method reasonably according to the number of credit cards with the same bank name. At present, if there is only one card, it will be cancelled directly after paying off the arrears, and a new card can be reissued after 6 months. There are many cards that can be cancelled, and one of them can be cancelled when canceling the card, which will not affect the use of other cards.