If your card is stopped due to overdue repayment, arrears and other reasons. , only by returning the arrears to your credit card can you resume using it. Moreover, when you have paid all the money back, the bank will generally not activate the original card for you, and you need to apply for it yourself.

If the card is stopped due to cash-out behavior, and the bank finds that it is suspected of cash-out, it is recommended to stop cash-out, and take the initiative to contact the bank to resume using the card or cancel the card.

Many people think that since the overdue period has affected the credit record, I will not return it and apply for a credit card from another bank. It should be reminded that:

First, if it is overdue for a long time, the bank will call you to urge you to repay. If the repayment is still not made, the bank has the right to bring a lawsuit to the court. It is difficult to deal with when suing;

Second, overdue credit cards affect credit records, and credit stains will be recorded in your credit information system. If you want to apply for other bank loans and credit card business, the bank will check your credit report. If there is a record of non-repayment, the bank will generally not accept your application.

I suggest you find a way to pay back the arrears, and the card will be restored naturally. Then it will take about half a year to accumulate a good credit record of credit card swiping and repayment, and the original bad record will be covered by a good record. This is the right thing to do. You can also cancel the card after repayment. Credit cards are only used in emergencies. If you don't use it well, it will only over-stimulate your desire for consumption. As a result, the more you swipe your card, the more you owe.