Credit card (debit card) is overdue, resulting in zero credit limit. Users must settle overdue debts as soon as possible. After the arrears are settled, apply to the bank for restoration of the line. If the user is a first-time offender, the bank will handle it as appropriate and will restore a certain amount to the user after paying off the arrears. Users often overdue, and the credit limit of the card may not be restored. At this point, the user needs to apply for a new credit card (debit card).

Users must repay the credit card (debit card) on time during the use. As long as it is overdue, it will affect the normal use of the credit card (debit card) and it will be more troublesome to recover it later.