After using the card for a period of time, cardholders will also find that some stores can use credit cards to get discounts, and they can enjoy "three people traveling together for free", "Friday half price", "double points accumulated on consumption" ” and other activities, you can also spend cashless when traveling abroad. Even if you travel to multiple countries, you don’t have to worry about consumption payment problems caused by currency inconsistencies. Riding the Bull and Watching the Bear has found that some savvy cardholders will also invite good friends to dine at stores with designated promotions on their credit cards during normal dinner parties, which can also save a lot of daily expenses.

Generally, the bad credit record caused by overdue repayment will be covered after two years. The prerequisite is that you do not cancel the card after paying off the debt but choose to continue using it and repay it on time every month. payment. In your case, your bad credit record should still exist, so if you are not in a hurry, you should wait for a while before applying for a card, otherwise you will not be able to pass the review even if you submit the application.

If the credit card is overdue and frozen, the cardholder needs to apply for unfreezing.

Generally speaking, overdue credit cards will not be frozen. It will only be frozen in serious overdue cases. Therefore, if we want to apply for unfreezing, we need to repay all the arrears before we can apply to the bank. If our application is successful, the bank will consider it comprehensively.

If the applicant's credit investigation remains good and the overdue payment is not malicious, the bank will generally agree to unfreeze the application. However, if the cardholder has poor credit and is often overdue, the bank may not agree to unfreeze the card, and even if it agrees, it will reduce the credit card limit.