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I have paid off my China Merchants Credit Card. Why does the card show that it is temporarily unavailable for borrowing money?

The China Merchants Credit Card has been repaid, but the debit card shows that it is temporarily unavailable for the following reasons:

1. The credit record is not good, and the bank has suspended the use of the credit card. Please go to the bank to check after a while. It can be used. It is best to maintain a good credit record for more than 1 year.

2. The card has been deactivated by the bank (high-end customers) and the card has not been repaid on time and is a collection frozen customer of the bank.