After the credit card repayment of China Construction Bank is overdue, it is necessary to pay off the money as soon as possible (one-off payment will increase the probability of lifting the ban), call the credit card center of China Construction Bank to apply for opening after paying off, and then wait for the approval of the credit card center (the probability of unfreezing by stages is low).

If the credit card is deactivated, the consequences are as follows:

First, if it is overdue for a long time, the bank will call you to urge you to repay. If the repayment is still not made, the bank has the right to bring a lawsuit to the court. It will be difficult to deal with when it comes to prosecution, and even a large amount is suspected of fraud;

Second, overdue credit cards affect credit records, and credit stains will be recorded in the credit information system. If you want to handle other bank loans and credit card business, the bank will check the credit report. If there is a record of non-repayment, the bank will generally not accept the application.

Therefore, it is the right way to find a way to pay back the arrears, and it is possible to recover after stopping the card. After that, it will take about 2 years to accumulate good credit records of credit card swiping and repayment, and cover the original bad records with good records.