First of all, banks usually call cardholders to remind them to repay as soon as possible. Card sealing is a severe measure, which is usually not taken immediately after the first overdue one month. Banks are more concerned about whether they can successfully recover overdue funds, rather than sealing the card immediately.
Secondly, the bank will decide whether to seal the card according to the cardholder's repayment. If the cardholder repays and fulfills the repayment obligation immediately after the dunning notice, the bank may adopt a more tolerant attitude towards the cardholder and will not seal the card for the time being. However, if the cardholder delays repayment or overdue repayment for many times in a row, the bank may consider sealing the card to protect its own interests.
Finally, blocking the card is one of the last resort of the bank. Before sealing the card, the bank will generally take other measures, such as issuing a written notice to the cardholder, limiting the overdraft limit, freezing the account, etc. The purpose of card closure is to limit the cardholder's consumption behavior and urge him to repay as soon as possible, but banks usually consider card closure at the last minute.
To sum up, Minsheng Credit Card is overdue for one month, and the bank makes a dunning. Under normal circumstances, the bank will not seal the card immediately. Banks are more concerned about whether cardholders can fulfill their repayment obligations in time, and only when cardholders are seriously overdue or delayed in repayment will they consider taking card sealing measures.