1. The credit card has been temporarily suspended, so you can only deposit money for repayment, but you can't inquire and spend. The overdue time is not long. Call customer service to consult and make up the arrears, and you can use the system the next day.

2. If the overdue time is too long, the bank will not pay back the arrears after calling twice in three months, and the freeze will not be unfrozen, so it can only be cancelled. Because you have been listed as a prohibited customer by the bank, the bad records of the Credit Information Center of China People's Bank will be deleted five years later. In the meantime, it is difficult for you to apply for credit cards and bank loans.