If the card is stopped due to overdue repayment, arrears and other reasons. You can only resume using the credit card after paying off the arrears. Moreover, the money has been paid off, and banks generally do not actively activate the original card, so they need to take the initiative to apply.
If the card is stopped due to cash-out behavior, and the bank finds that it is suspected of cash-out, it is recommended to stop cash-out, and take the initiative to contact the bank to restore the card or cancel the card.
Many people think that since the overdue period has affected the credit record, I will not return it. What needs to be reminded when applying for another bank's credit card is:
First, if it is overdue for a long time, the bank will make a dunning. If the repayment is still not made, the bank has the right to bring a lawsuit to the court. It's hard to deal with when suing.
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.
Extended data:
Relevant provisions of China Merchants Bank on credit cards:
1. The bank gets the customer's registration number (customer number, registered mobile phone number, etc.). ) or account number (passbook account number, bank card number, etc.). ) or the customer's digital certificate and the corresponding password are used as signs to identify the customer's valid identity, and the electronic transaction instructions issued by the customer are used as legal and effective basis for handling electronic banking business. All transactions with correct customer identification marks and corresponding passwords are regarded as customers' own behaviors.
2. E-banking provides two ways to confirm the identity of customers: customer digital certificate and password. Customer digital certificate refers to an electronic file that stores the customer's identity and digitally signs the electronic banking transaction information sent by the customer. Password refers to the digital or character information that the customer confirms his identity. Bank of Nanjing determines the customer's identity authentication method according to the different businesses that customers apply for.
3. Customers must properly keep their own registration number, account number, customer digital certificate and its corresponding password and other important information, and must not disclose or provide it to others for use. If the certificate is damaged, lost, the password is leaked or forgotten, you should reissue or reset the password at the business outlets of Nanjing Bank in time. Customers should bear the economic losses caused by improper storage and untimely handling.
4. The customer's digital certificate is valid for one year. After the expiration of the validity period, if the customer needs to continue to use the certificate, he must log on to the website of Nanjing Bank for self-service or go to the business outlet to apply for replacement within one month before the expiration of the certificate.
5. After customers report the loss of bank cards and passbooks through electronic banking, they must go to the business outlets in time to reissue the formal loss report, and the loss report shall be handled according to the corresponding regulations.
6. When the customer handles the registration, change and cancellation of electronic banking business, he must fill in the corresponding application form and provide relevant materials, and go to the business outlets of Nanjing Bank. The registration, change or cancellation of some businesses can also be handled through e-banking.
Therefore, the cancellation of China Merchants Bank's credit card will not affect the application of other banks' credit cards.
References:
China merchants bank official website-credit card