After the China Merchants Bank credit card payment is overdue and the card is suspended, you must first pay off the money as soon as possible (paying off in one go will increase the chance of being lifted), and it should not exceed 90 days (that is, overdue three times in a row, generally It is difficult to recover), pay it off within 90 days (the probability of recovery is relatively high), then call the China Merchants Bank Credit Card Center to apply for activation, and then wait for the credit card center’s approval. China Merchants Bank will make a decision based on personal circumstances.

If the China Merchants Bank credit card is suspended, the consequences if you let it go are:

First, if you fail to repay overdue for a long time, the bank will call you to urge you to repay. If you still haven't repaid, The bank has the right to file a lawsuit in court. It will be very difficult to handle when it comes to prosecution;

Secondly, overdue credit cards will affect your credit record, and credit stains will be recorded in the credit reporting system. If you want to apply for other bank loans or credit card services, the bank They will check the credit report. If there is a record of non-payment of debt, the bank will generally not accept the application.

So try to find a way to pay off the debt, and it is possible to restore the card after it is suspended. After that, it will take about half a year to accumulate a good credit record of credit card use and repayment, and use good records to cover up the original bad records. This is the right thing to do.