1. Serious overdue loan suspension: In this case, if you want the bank to reopen the credit card, you must pay off the arrears in one lump sum, and don't think about negotiating repayment with the bank. Nine times out of ten, it won't work. After all, the purpose of the bank is only to let you repay. After paying off the debt, you can call the issuing bank and ask the bank to reopen the credit card. After verifying your identity information, the bank will check your repayment. If it can be reopened, it will be reopened for you. If not, you can only apply for another credit card.

2. Suspected cash withdrawal is stopped: Credit card cash withdrawal is prohibited by banks and illegal. If the card is stopped because of cash withdrawal, it is generally difficult to re-open the card. However, you can also try to apply, and there may be unexpected surprises. Of course, the premise is that you have to provide proof that you are not cashing in, such as the receipt and commodity invoice when you spend. If you can't provide it to them, nine times out of ten there is no hope.

How long will overdue credit cards be deactivated?

In fact, the overdue suspension of credit cards can be said to be a situation in which credit cards are frozen. Generally speaking, if the cardholder fails to repay the loan for more than three days, the bank will suspend the credit card. After the credit card is suspended, all its bills still exist. In the long run, the overdue interest and late payment fees of credit cards will increase, and it will affect the credit information of cardholders.

After the credit card resumes normal use, never cancel it for at least two years;

At the same time, it is necessary to repay in full and on time, so that the bad records in the past can be quickly covered by new credit card records;

If you choose to cancel, you can only automatically eliminate bad records after five years;

In the process of continuing to use this credit card, the cardholder cannot have any new overdue repayment, and the continuous overdue record will have a more serious impact on his personal credit.

In order to avoid overdue credit cards, cardholders can try the following methods:

First, credit card repayment reminder service was launched. Many cardholders are overdue because they forget to pay back. Cardholders can open a credit card repayment reminder service to ensure timely repayment.

The second is to open the automatic repayment function of credit card. After the automatic repayment function is enabled, as long as the funds in the cardholder's savings card are sufficient, the bank will automatically help the cardholder to complete the credit card repayment on the automatic repayment day.