It may be that the card has been frozen by the bank. Since the amount owed by the cardholder was not large before, and the bank did not want to waste time and still failed to repay the loan after many collections, the bank did not want to waste time. If the bank has the energy and financial resources to sue the cardholder, the bank will mark the bill as a bad debt. Once marked as a bad debt, the card will be frozen and the repayment will not be possible. The cardholder's credit report will also be seriously damaged. It is recommended that the user contact The bank negotiates to repay the debt.

Can overdue users apply for bank cards?

Yes. The handling bank will not check the personal credit report. When the user is overdue, he should repay the debt as soon as possible. Otherwise, it will affect the bank's evaluation of the user and cause the user to be unable to apply for credit business. Not only that, users maintain good business relationships with banks, which is conducive to users handling credit business.

For overdue debts, overdue records will be kept in the credit report within 5 years after repayment. After 5 years, overdue records will be automatically deleted, and users will need 5 years to restore their credit reports.