Overdue credit cards lead to card blocking. Users should first pay off the overdue balance and then apply to the bank to lift the card blocking.

If the bank agrees to unblock, the card can be used normally after being unblocked. However, the bank does not agree to unblock the card. After paying off the debt, the user can cancel the card. If there is still a need to use the card later, the user can try to apply for a new card. As long as all overdue debts and pending debts are paid off, users can cancel their credit cards. If the credit card is permanently blocked, it cannot be unblocked. If it is not emphasized that the card is permanently blocked, then there is a certain chance of unblocking the card.