If the credit card status is abnormal due to an overdue credit card, the credit card can be restored as long as the overdue balance is settled. The credit card is frozen or blocked due to illegal use. If the user cannot submit valid certificates for bank review, then the card is likely to be unrecoverable. If you want to use the card again at this time, you need to apply for another one.

During normal use of the card, the user may also trigger the bank's risk control. As long as the materials are submitted for review and explained clearly, the card will not be affected.

Cardholders whose credit cards are frozen due to failure to repay on time must pay off all arrears including interest as soon as possible, and then apply to lift the freeze. Whether the freeze on the credit card is lifted depends on the bank's credit evaluation of the cardholder, and there is no guarantee that the freeze will be lifted if the outstanding balance is paid off.

If the overdue situation is not serious, as long as the credit card center confirms that your debt has been paid off, it will immediately unfreeze it for you, and your credit card can be used after it is unfrozen. In this case, do not cancel the credit card without authorization. It is recommended to continue to use the card within two years and maintain a good credit record so that it will not have an impact on your credit.

But if the overdue situation is serious and the bank considers it to be a malicious overdraft, even if you pay off the debt after the due date, the bank may not unfreeze it for you, and you will lose this right forever. To qualify for this credit card, you must reapply for other credit cards.