ICBC cancels the customer’s credit card qualification for the following two reasons: \x0d\ 1. The customer’s previous credit card transactions included “cash-out” behavior \x0d\ 2. The customer has not paid off the credit card debt for a long time. If it is caused by the first reason, the credit card still cannot be used again after paying off the credit card balance in full (including late payment fees, interest, and compound interest). You can only cancel the credit card after paying off the balance. \x0d\　If it is caused by the second reason, after paying off the credit card debt in full (including late payment fees, interest, and compound interest), you can call the ICBC Credit Card Center to apply for account unfreezing. Whether it can be successfully unfrozen depends on the reviewers of ICBC Credit Card Center checking whether there has been any "cash-out" behavior in your credit card transactions in the past year. If there is no "cash-out" behavior, it will be unfrozen. The review processing time is 3-7 working days.