1. If the credit card is abnormal, the cardholder can call the card issuing bank, apply to the bank's customer service for restoring the credit card or ask the bank to reissue the credit card, open the card directly after getting the new card, and cut off the original credit card.

2. If you haven't paid back on time for more than three months in a row, it's very likely that you have entered the bank's credit card blacklist. It is suggested that you know your account information from the bank customer service as soon as possible, and pay off the arrears in time to avoid greater losses and affect your credit history. Credit card arrears are huge and overdue for a long time, and cardholders may encounter criminal punishment.

3. If it is because the bank suspects that you have cashed out, you must call the bank to explain the situation, and the bank will help you resume using it.

Consequences of overdue credit card:

1. Liquidated damages, usually the minimum repayment amount, 5% of the unpaid part.

2, high interest, and it is a rolling interest, and interest is very scary when there are many debts.

3. The overdue period will stain the credit record, which will lead to the inability to handle financial needs such as house purchase and loan in the next two years.

4. If it is overdue for more than 3 months and the amount exceeds 1,, the bank has failed to make several reminders, and it will not only pay back the money, but also bear criminal responsibility.

Credit card is a revolving loan issued by the bank to users. When you apply for a credit card, the bank will give you an initial credit line according to your personal qualifications and past credit status. The bank will analyze your daily consumption behavior and your consumption habits, and increase or decrease the credit line of the credit card according to your repayment situation. Many third-party online loans also evaluate the credit line of cardholders through bills.

people who have no economic income, such as students, should not apply for credit cards easily. Even if they don't use credit cards, they have to bear annual fees and other items. Holders of credit cards give up the use of credit cards and go through the formalities of returning the cards in time. Otherwise, the expenses of credit cards and the interest and late payment fees generated later will lead to personal economic losses and credit reduction, which will affect mortgages and car loans.

Extended information:

Some reasons for the credit card being stopped:

If the cardholder's Longka credit card is stopped, or the cardholder actively applies for account cancellation or requests to stop the card, or the cardholder fails to repay the loan according to the contract, or the cardholder fails to perform the agreement related to installment payment, or the cardholder's debt performance ability or credit degree is reduced (including but not limited to the cardholder's violation of laws, regulations and Articles of Association when using the credit card)

the application materials provided by the cardholder are untrue, inaccurate and incomplete; Cardholders refuse to bear the risks and responsibilities arising from using credit card transactions.

the cardholder refuses to pay all kinds of fees to CCB;

since the first billing date after the cardholder's account is in arrears, the repayment has not been made for three consecutive months or the repayment has not reached the minimum repayment amount.

cardholders use credit cards to make false transactions.

the cardholder refuses or obstructs CCB to investigate his income or credit status.

the cardholder dies and the legal heir of his property does not continue to perform this agreement.

the cardholder is declared missing, and his property custodian does not continue to perform this agreement.

the cardholder loses the capacity for civil conduct, and his guardian does not continue to perform this agreement.

the cardholder is involved in or about to be involved in major litigation, arbitration proceedings or other legal disputes, which CCB believes may or has affected or damaged CCB's rights and interests under this agreement.

the cardholder's credit status or repayment ability has undergone other major changes, including but not limited to work adjustment, income reduction, unemployment, serious illness, default on other debts, etc., which are enough to affect his repayment ability, and he no longer meets the requirements of CCB for handling credit cards and has not added any guarantee recognized by CCB.

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