The biggest advantage of a credit card is that it can be overdrafted for consumption. However, if the cardholder uses the card inappropriately, the overdraft function may be turned off by the credit card application platform, and the cardholder may no longer be able to use the card for consumption. However, in some cases, it is still possible to recover after turning off the overdraft function. So, can the credit card overdraft function be restored after being turned off? Specific situations require detailed analysis!

Whether the credit card overdraft function can be restored after it is turned off depends on whether it is temporarily turned off or permanently turned off. If the bank permanently closes the credit card overdraft limit, that is, permanently freezes the credit card, in this case, no matter what measures the user takes, the bank cannot restore the credit card overdraft function for the user.

If the credit card overdraft function is temporarily closed, there is a chance of recovery, but the recovery method will be different depending on the reason for the closure:

1. Overdue behavior. If there is overdue behavior and the bank closes the overdraft function, if you want to restore it, the user must first pay off all the credit card debts. When the bank sees that the user is still willing to repay, it may take the initiative to restore it within a period of time after the repayment. Credit Card Use. If the bank has not yet recovered, the user can also directly call the customer service number of the card-issuing bank and apply to the bank to resume the use of the credit card, and the bank will consider it as appropriate.

2. Abnormal transactions occurred on the credit card. For example, in the event of fraud in another place, in order to protect the safety of credit card use, the bank will turn off the overdraft function. After the fraud is resolved, the overdraft function of the credit card will be restored. However, due to the leakage of credit card information and theft, a new card may be issued.

3. Illegal cash withdrawals from credit cards. This is also one of the reasons why the overdraft function is closed, but sometimes the cardholder does not make any illegal withdrawals, but is mistakenly considered by the bank to have made illegal withdrawals. In this case, you only need to provide the bank with the true details of the transaction. Consumption vouchers to prove that you have not made any illegal withdrawals. The bank will generally restore the overdraft function within a week after verification.

Therefore, when using credit cards for consumption, users must maintain good card usage behavior, repay in full and on time, and avoid overdue and other undesirable situations. Only in this way can they maintain their personal comprehensive qualifications and use them for a long time. Credit card products.