Yes, if the China Merchants Bank credit card is overdue for 3 months and the card is frozen, but the outstanding balance is paid off later, the card may be unfrozen. The following are detailed instructions:

First of all, after the China Merchants Bank credit card is overdue for 3 months, the bank will freeze the credit card in accordance with the relevant contracts and regulations to protect the bank's interests and ensure compliance operations.

Secondly, if the cardholder has paid off all overdue amounts after the due date, he or she can apply to China Merchants Bank for unfreezing. When applying for unfreezing, you usually need to provide relevant repayment vouchers and supporting materials, such as bank transfer vouchers, repayment receipts, etc., to prove that the cardholder has indeed paid off all overdue amounts.

Finally, China Merchants Bank will comprehensively evaluate whether to agree to unfreeze the credit card based on factors such as the cardholder's repayment status and personal credit record. If the bank believes that the cardholder has a stable repayment ability and a good credit record, it may agree to unfreeze the credit card and reactivate it.

Extended information:

After the China Merchants Bank credit card expires, the bank will take a variety of measures to protect its own interests, one of which is to freeze the credit card. Freezing a credit card means that the cardholder cannot use the credit card for consumption normally and needs to be unfrozen before continuing to use it. Unfreezing usually requires the cardholder to actively apply to the bank and provide relevant repayment vouchers and supporting materials.

To prevent credit cards from being frozen due to overdue payments, cardholders should pay off their credit card debts in time before the repayment date, abide by credit card repayment regulations, and ensure a good personal credit record. At the same time, if you encounter difficulties in repaying the loan or are unable to repay the loan on time, you should contact China Merchants Bank in time and negotiate with the bank to formulate a reasonable repayment plan.

Summary:

China Merchants Bank credit card is frozen after 3 months of overdue payment, but if the cardholder pays off all overdue amounts, he or she can apply to the bank for unfreezing. The bank will evaluate whether to agree to unfreeze the credit card based on comprehensive factors such as the cardholder's repayment status and personal credit history. In order to avoid freezing, cardholders should repay on time, abide by credit card regulations, and contact the bank in a timely manner to negotiate solutions when encountering repayment difficulties.