If the credit card is suspended due to overdue, it cannot be resumed after being paid off in full. Nevertheless, the arrears should be paid off as soon as possible.

Credit card malicious overdraft: refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than 3 months after repeated collection by the issuing bank.

Consequences of malicious overdraft of credit card:

1, resulting in bad credit records;

2. Generate late fees and interest;

3. The bank will sue;

4. No credit business shall be conducted in this bank within 5 years from the date of paying off debts.

Extended data

1. Malicious overdraft behavior includes two basic behaviors:

1, the overdraft exceeds the specified limit, that is, the overdraft exceeds the regulations of the credit card charter or the credit card bank.

2. Overdrawing beyond the prescribed time limit means that the principal and interest are not repaid within the prescribed time. Generally speaking, malicious overdraft of credit cards will leave a bad credit record in the issuing bank, which will affect the personal credit of cardholders.

Second, the malicious characteristics

(1) The overdraft limit is subject to whether the credit card balance exceeds the limit;

(2) Failing to repay the principal and interest within the prescribed time limit and continuing to overdraw;

(3) Failing to obtain the authorization of the issuing bank or overdrawing the credit card before the overdraft limit, including evading authorization, forging authorization and defrauding authorization;

(4) Subjectively, the overdraft cardholder intentionally illegally occupies the card-issuing funds.

Baidu Encyclopedia-Credit Card Malicious Overdraft