banks will not stop using customers' cards casually, unless there are some special circumstances, such as long overdue and risky cards. If it is because the card is risky, then the bank will definitely contact the cardholder to change the card after stopping the card. If your card is stopped for a long time, you should pay off the money you owe as soon as possible, and then contact the bank to apply for opening your card. After you pay off the money, the bank will review it according to your overdue time and amount. If you meet the requirements, you can open the card. If you don't meet the requirements, you can't open the card.