Generally speaking, the card will be blocked if it is overdue for more than 3 months and refuses to repay the bank twice (SMS reminder will be received within half a month, and the bank will run a phone reminder after 1 month). However, if the minimum repayment amount can be fully paid off within 90 days, it is possible to restore the credit limit of the credit card (debit card).

Take the credit card (debit card) of China Construction Bank as an example:

1. The credit card (debit card) of CCB is overdue for more than 30 days, and the credit card (debit card) can only use 50% of the credit limit temporarily;

After 2.60 days, the card will be temporarily unavailable;

3. After more than 90 days, the card will be stopped and all accounts under its name will be frozen.