Credit cards overdue for three months, that is, more than 90%, may be frozen. Generally, credit cards have a grace period of about 3 days, after which they will be overdue.

Banks generally have the punishment of compulsory deactivation or compulsory cancellation of accounts. No matter what kind of punishment the bank uses, it means that you are blacklisted by the bank, and then you will not be able to apply for any credit card or do all the credit business of the bank.