China Merchants Bank's credit card is frozen, but there is a limit. Whether it can be thawed depends on the reason. For example, if the cardholder's credit card is overdue for more than 30 days, China Merchants Bank will automatically control the credit limit in the cardholder's card, and the cardholder can only use 50% of the credit limit for the time being; After more than 60 days, the cardholder cannot use the card temporarily; After more than 90 days, the card will be forced to stop paying, and all accounts under the cardholder's name will be frozen.

If the repayment is delayed within 90 days, as long as the minimum repayment amount is paid, the system will automatically resume the cardholder's use of all credit lines. If the payment is delayed for more than 90 days, the cardholder needs to pay off all the overdue funds in the account before applying, and China Merchants Bank will handle it according to the cardholder's actual situation.

In order to avoid the influence of overdue on credit cards and credit records, users can pay attention to the change information of credit card accounts in time and repay on time.

After the deadline, users can repay through the agreed account provided by China Merchants Bank, the network (including online banking, credit card outlets, mobile banking, WeChat), SMS, outlet counters, self-service equipment, national service hotline, third-party companies, other bank transfers and other credit card repayment methods.