In the case of China Merchants Bank's credit card, there are generally two situations due to the overdue freezing of the card: 1. After the repayment is received, the amount in the card will be restored immediately; 2. After repayment, the card cannot be used again. Just cut the card and handle it properly. There is no need to cancel, and it cannot be cancelled. Generally, the overdue time is more than 30 days, which may be the second case. If you want to know what kind of situation your card belongs to, you can call the customer service of China Merchants Bank.

How to recover the overdue card of China Merchants Bank? 1 China merchants bank should pay off the money as soon as possible after the overdue card repayment is stopped. After paying off, call the China Merchants Bank Credit Card Center to apply for opening, and then wait for the approval of the Credit Card Center. If the bank resumes the use of the credit card in time after paying off the arrears, the cardholder can use it directly. If it has not been used again, the cardholder needs to go to the offline counter for processing.

If it is a rural credit card: if the cardholder fails to repay the loan on time or cash in the credit card, he usually only needs to call the bank credit card customer service center to explain the situation and apply for unfreezing. As long as the overdue situation is not serious, the credit card center will unfreeze your credit card after confirming that you have paid off the arrears. With regard to the handling of personal bad credit records, according to the Draft of Credit Information Management Regulations of the Central Bank, the longest retention period of bad credit records is 5 years, but only credit cards and 24-month records will be displayed in personal credit reports. It is recommended that the card remain active for at least 2 years after activation, so as to avoid the negative impact of bad credit records on the application for credit cards or personal loans in the future.

If CCB's credit card is suspended, there are several effective methods: 1. If the CCB credit card is suspended due to overdue, it is suggested that the cardholder pay off all overdue debts as soon as possible. After paying off, he can call the bank customer and ask to reactivate the credit card. It is recommended that cardholders use it normally for a period of time and cover the overdue records. 2. If CCB's credit card is deactivated because of cash withdrawal, the cardholder can call the bank to explain that it is normal consumption, insist on not recognizing cash withdrawal, and sincerely hope that the bank can reactivate the credit card. After activation, cardholders can't withdraw cash again. After all, it is illegal, and it is not conducive to personal credit. 3. If the card is stopped because of the risk of CCB credit card, the cardholder can call the CCB credit card customer service hotline and ask the bank to reissue the credit card. After getting the new card, it was directly opened for use, and the original CCB credit card was cut off.