In the case of China Merchants Bank's credit card, there are generally two situations due to the overdue freezing of the card: 1. After the repayment is received, the amount in the card will be restored immediately; 2. After repayment, the card cannot be used again. Just cut the card and handle it properly. There is no need to cancel, and it cannot be cancelled. Generally more than 30 days overdue, which may be the second case. If you want to find out what kind of card your card belongs to, you can call customer service.