There are many reasons why a credit card is canceled. If it is caused by overdue payment, you can pay off the debt and apply to the bank to restore the card use qualification. As long as the overdue period is not serious, it will usually be completed within 3 working days. If the credit card is suspected of bad use such as cashing out, you need to provide evidence and gain the trust of the bank before you can resume using the card.

Generally, the cancellation of credit card qualifications is set by the local card department and has not been escalated to the bank headquarters or the central bank's credit reporting system. It is recommended that cardholders communicate with the bank as early as possible to negotiate a solution.