If the credit card is deactivated due to overdue payment, the user can actively apply to re-open the credit card after paying off the overdue balance, and customer service will decide whether to re-open the credit card based on the actual situation. The user's card is deactivated due to cash-out, illegal use, etc. At this time, the user cannot actively apply for restoration, and the card may not be activated again.

Therefore, if the card is deactivated and cannot be opened again, the user can apply for cancellation after confirming that there is no outstanding balance in the account, and then apply for a new card after cancellation.

According to the "Notice on Issuing the "Credit Card Business Management Measures"":

Article 33 Anyone who opens a basic deposit account at a financial institution within the territory of the People's Republic of China and the People's Republic of China Units can apply for unit cards. Several unit cards can be applied for, and the cardholder's qualifications shall be designated and canceled in writing by the legal representative of the applying unit or his authorized agent.

Citizens with full capacity for civil conduct can apply for a personal card. The main cardholder of a personal card can apply for supplementary cards for his spouse and relatives over the age of 18. There may be no more than two supplementary cards. The main cardholder has the right to request the cancellation of his supplementary cards.

Article 34 When applying for a credit card, an organization or individual should fill in the application form in accordance with the regulations and submit it together with the relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.

Article 35: All funds in the unit card account shall be transferred and deposited from the basic deposit account. Cash shall not be deposited, and funds from other deposit accounts and sales revenue shall not be deposited into the unit card account.

The funds in a personal card account are limited to cash deposits held by the individual or transfers from salary payments and other legitimate personal income. It is strictly prohibited to transfer funds from the company into personal card accounts.

Article 36: Credit cards can only be used by the legal cardholder himself, and the cardholder is not allowed to rent or transfer the account.

Article 37 After the cardholder has paid off the principal and interest of the overdraft, the cardholder can cancel the account if it falls into one of the following circumstances:

(1) 45 days after the expiration of the credit card validity period, the cardholder shall The person does not replace the new card;

(2) After 45 days of reporting the loss of the credit card, the credit card does not have an additional card and does not replace the new card;

(3) The credit card is not good and is included in the Stop payment list, the card-issuing bank has withdrawn the credit card for 45 days;

(4) The cardholder dies for some reason, and the card-issuing bank has withdrawn the credit card for 45 days;

(5) ) The cardholder requests to cancel the account or the guarantor revokes the guarantee, and has returned all credit cards for 45 days; (6) The credit card account has not had any transactions for more than two years (inclusive);

(7) The cardholder violates other regulations and the card-issuing bank believes that the cardholder should be disqualified.

Article 38: The card-issuing bank shall take back the credit card when canceling the account. If a valid card cannot be recovered, payment should be stopped.

When canceling the account, the balance of the corporate card account will be transferred to the basic deposit account, and no cash withdrawal is allowed.

Article 39 If a credit card is lost or stolen, the cardholder should immediately apply for a loss report to the nearest card-issuing bank or agency bank with his or her ID card or other valid certificate, and provide relevant information as required. Loss reporting procedures.

Article 40: If the cardholder finds his or her credit card after applying for a loss report, he or she may apply to cancel the loss report and stop payment.