1. Understand the reasons for discontinuation of use: Contact the customer service department of China Merchants Bank to learn the specific reasons for discontinuation of use. They can explain the specific risk factors for discontinuation of use and provide corresponding solutions.

2. Clarify your personal credit status: Verify your personal credit status to ensure that there are no late repayments, bad credit records, etc. If you find problems with your credit status, take timely measures to improve your credit record, such as timely repayment. , standardize the use of credit cards, etc.