There are generally two situations when a card is frozen due to overdue payment:

After the repayment is received, the card limit will be restored immediately.

The card still cannot be used again after repayment. You can just cut the card and handle it properly. There is no need to cancel it, and it cannot be canceled.

Generally, if it is overdue for more than 30 days, it may be the second situation, and you cannot apply for another card. If you want to find out which situation your card belongs to, you can call China Merchants Bank customer service to inquire.

Extended information:

Credit Card Duplicate

After canceling a single card, if the credit card is still valid for 2 months or more, you can call 4008205555 and transfer to manual application Restore the card.

After the entire household has been cancelled, you can call 4008205555 within 6 months to manually apply for reinstatement of the card. The final result will be subject to review.

If the application to restore the card fails, you can also apply for a new credit card.

To apply for a business card and resume using the card, you need to contact the company’s authorized person to issue a business card business processing form application.

A credit card can be opened at any time during the validity period. If the card has not been opened, it will automatically become invalid upon expiration and will not be automatically renewed for you.

If you want to cancel an unopened credit card, you can call the service hotline 4008205555 (calls from mobile phones) or 8008205555 (calls from landlines only), select "Report Loss" and proceed to manual processing.

Article 33 of the "China Merchants Bank Credit Card Regulations":

If the principal cardholder or the applying unit no longer uses the card within the validity period of the credit card or after expiration, After paying off all outstanding balances on your credit card account, you should promptly notify the card issuer through the customer service hotline provided by the card issuer and submit an account cancellation application to the card issuer. The card issuer will handle the formal account cancellation procedures for the cardholder 45 natural days after accepting the account cancellation application.

When cardholders apply for account cancellation, they should return the credit card to the card issuer, or destroy the card according to the card issuer's regulations. After formal account cancellation procedures are completed, the card issuer continues to retain the right of recourse for credit card accounts incurred before and after the cardholder or applicant unit cancels the account and accepts customer repayments.

Reference materials: China Merchants Bank official website--China Merchants Bank Credit Card Articles