After the Industrial Bank credit card (debit card) is overdue, the card cannot be used because the card is still in a risk control state. The risk control state must be ended before the card can continue to be used. Therefore, when a credit card (debit card) cannot be used, the user needs to call the customer service hotline of the card-issuing bank to apply for lifting the abnormal status of the card. As for whether the card risk control can be lifted, it is subject to the bank's review results.

The Industrial Bank credit card (debit card) is currently unavailable. Users can try to apply for a new card. The new card can be used normally as long as it passes the review and is activated.