First, the cardholder should pay off the overdue arrears and the expenses incurred, and then contact the issuing bank to apply for canceling the card suspension status. After receiving the application, the bank will evaluate the cardholder's credit card usage record, judge whether the overdue situation of the user is serious, and decide whether to restore the user's card. If the overdue situation is serious, even if the arrears are paid off, they cannot be recovered.