Some people have their credit cards reduced, blocked or even suspended due to improper use of credit cards. So what should you do when your credit card is overdue and deactivated? Let’s find out together.

Can I activate a credit card that is overdue and suspended?

A suspended credit card cannot be activated.

The user must first lift the deactivated status, that is, return the credit card status to normal, and then the card can be activated. Generally speaking, credit card deactivation may be caused by overdue or illegal use. Since the card has been activated, it usually does not need to be activated again.

Warm reminder: After the user's credit card is deactivated, the user needs to pay attention to whether it affects the personal credit report in a timely manner. If it has had a negative impact, the problem needs to be solved as soon as possible.

What to do if your credit card is overdue and deactivated

Contact the bank to apply for lifting the card restriction. At the same time, in order to avoid being recorded on the credit blacklist, it is best to reactivate this credit card, repay it on schedule, and use it for 24 consecutive periods. This way, the original bad credit record can be overwritten with a new good record. Be careful not to cause overdue payments again. Continuous overdue payments will seriously affect your credit record.

Although bad credit records generally need to be retained for at least five years after the customer pays off the debt before being deleted by the system, as long as enough good records are accumulated, the new records will be Old bad records will be gradually overwritten. After the personal credit gradually improves, the bank may unfreeze the card and resume use (it is recommended that customers first build up their credit for about three to six months).

The above are the measures that can be taken if the credit card is overdue and deactivated. Of course, the most appropriate operation is to always use the credit card correctly.