1. Contact the bank directly: contact the issuing bank to find out the specific process and requirements for card sealing. They will guide you through the necessary steps, such as paying off debts, providing relevant documents or filling out application forms.

2. Pay off the arrears: repay the overdue arrears as soon as possible, and pay the relevant penalty interest and late fees. This can help restore credit and avoid further negative effects.

3. Negotiate repayment plan: If you can't repay all the arrears at one time, you can negotiate with the bank to make a reasonable installment repayment plan. Most banks are willing to cooperate with customers to ensure that overdue accounts are properly handled.

4. Improve the credit rating: improve the personal credit rating through timely repayment. Overdue records may have a negative impact on credit rating, but timely repayment and debt management will help to gradually restore credit.

Summary:

The key to deal with overdue card closure is to contact the bank in time, pay off the arrears or make a reasonable repayment plan, and take measures to improve personal credit rating. In addition, it is recommended to abide by the rules for the use of credit cards to ensure timely repayment and avoid overdue problems again.

Extended data:

-Overdue card closure will have a negative impact on personal credit history and may lead to a decline in credit rating.

-During the card closure period, the cardholder will not be able to use the credit card for any transaction.

-Failure to deal with overdue card closures for a long time may lead the bank to take further recovery measures, such as entrusting a third-party collection agency and legal proceedings. Therefore, it is very important to take action in time after sealing the card.