If a credit card is overdue and suspended, the steps to resume use are as follows: The user needs to settle the overdue balance first; then proactively contact the card-issuing bank and apply to lift the suspension status of the card; after the bank receives the application, it will After evaluating the credit card history and deeming that the user's overdue situation is not serious, the card will be restored; after the card is restored, the card can be used normally.

The user's credit card overdue situation is relatively serious. Even if the balance is paid off, the card may not be restored. At this time, the only option is to apply for a new card.

If a credit card is not approved, you usually need to wait three months or more before applying again, because everyone's rejection situation will be different. The card applicant must first find out the reason why the card application was rejected, and then apply again next time. Address this issue before applying. If your income does not meet the requirements, you will need to submit more proof of financial resources. If your credit report has overdue records, you need to have a good repayment record to cover the previous overdue records. Of course, if you resubmit your application immediately after being rejected, Yu Hupin can consult the bank customer service first. If the bank customer service can help you submit your application again, then there is no need for such a long interval.

To restore credit with a card, you must first settle the debt and actively contact the card issuer to apply. If a credit card holder repays his or her debt overdue, if he or she is negligent and forgets to repay, he or she must repay the loan as soon as possible after discovering that it is overdue, preferably in full. If you are temporarily unable to repay, you can repay with the minimum amount or apply for installment repayment.