Generally speaking, there are two reasons why credit cards are stopped and recovery methods: \x0d\ x0d \ 1. Stop loss type 1: \ x0d \ The bank thinks that the credit card transaction is abnormal and may be attacked by hackers or other lawless elements. The bank froze this credit card for the safety of the cardholder. \x0d\ Solution: In this case, if the credit card is deactivated, the cardholder can call the issuing bank and ask the bank to reissue the credit card. After getting a new card, open the card directly, and the original credit card was cut off. \x0d\\x0d\ II。 Deactivation Type 2: \x0d\ If the cardholder fails to repay the loan on time for more than three consecutive months, the issuing bank has the right to unilaterally deactivate the credit card. In addition, in this case, even if the credit card is deactivated, the late payment fee and interest still existing in the cardholder's bill will continue to increase. If the amount meets the requirements of the bank, the bank can sue the cardholder, and if the amount is large, the cardholder will be punished. \x0d\ Solution: Therefore, if the credit card is stopped, the cardholder had better pay off all the money owed on this credit card. At the same time, in order to avoid the blacklist of credit records, it is best to reactivate this credit card, repay it on schedule, and offset the original bad credit records with continuous periods, otherwise the cardholder can not only apply for other credit cards, but also apply for financial loans such as mortgages.