1. If the card is invalid due to overdue, you need to pay off the arrears first, and then call the bank credit card customer service to apply for restoring the credit card;

2. If the failure is because the bank suspects cashing out, you need to provide proof that it is not cashing out, otherwise it will be difficult to recover;

3. If the card is damaged and invalid, you need to call the bank credit card customer service to apply for card replacement, or go to the outlet to apply for card replacement.

Savings card:

1. If it is invalid due to long-term non-use, you can use this card for transaction recovery;

2. If the card is invalid due to damage, you need to bring your ID card to the bank outlet to reissue a new card, and the bank will transfer the balance in your invalid card to a new card.

1. Credit card installment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount.

Second, most domestic banks have credit card installment business. Installment payment is generally divided into store (POS) installment, "mail order installment" and bill installment according to different occasions.

1. Shopping mall staging, also known as POS staging, refers to the "shopping mall" where cardholders go to shopping places, such as staging. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue). Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.

2. Mail-order installment means that the cardholder receives the installment mail-order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses among the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc. Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.

3. Bill installment This is the most convenient installment method, and all card issuing banks can basically support this installment method, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully. The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.