China Merchants Credit Card was overdue for three months and paid off 9000 yuan in one lump sum, but the card was permanently suspended. Call customer service! The customer service said it was useless. Overdue for more than 90 days will be reflected in the bad credit record.

Since the card is deactivated, not cancelled, the bank will take the initiative to contact you when it can be opened. Just wait patiently. Don't open it by force, don't be deceived!

Note: "Bad records in personal credit report shall be kept for 5 years and deleted after 5 years.