1. Credit card is restricted due to overdue credit card;

2. If the credit card is overdue, it will be included in the personal credit information system. Too many overdue times will affect future loan applications. Cardholders can call the bank credit card customer service center;

3. After that, if the cardholder wants to repay the loan on schedule, he should return the overdue amount as soon as possible, indicating that under normal circumstances, the bank will lift the restrictions on him, pay off the arrears as soon as possible, and maintain good usage habits in the future to avoid overdue;

4. After paying off the credit card debt, the special finance company is responsible for the overdue recovery of the credit card, commonly known as the debt collection company.