For cardholders, credit card suspension is a processing method of the card-issuing bank. Even if the credit card is temporarily suspended, there is still a possibility of being penalized by the bank after the credit card is restored. If the card is abnormal, the cardholder can call the card issuing bank to inquire about relevant matters. So what should you do if your credit card is permanently deactivated?

What should I do if my credit card is permanently suspended?

If the user owes money and the credit card is permanently disabled, the user needs to repay the debt first and then apply for cancellation. If the credit card is permanently deactivated, it means that the card does not support recovery, and the user can apply to cancel the card at this time. However, before canceling the card, the user needs to check what business has not been processed by the credit card, and then re-apply for a new card after completing the relevant business.

Can I still activate it if it is permanently deactivated?

If the credit card is permanently deactivated, you cannot apply for activation again. Therefore, after users learn that their credit card has been deactivated, they must promptly contact the card-issuing bank to inquire about relevant information to see if it is really permanently deactivated. If the credit card has not been permanently suspended, the user can apply to restore the card, and can continue to use the card after the restoration is successful.

Currently, banks only implement permanent deactivation for serious overdue transactions and cash outs. Generally, they are temporarily deactivated. In other cases, there will be no permanent suspension, and cardholders need to be informed in a timely manner.