In the case of China Merchants Bank credit card, there are generally two situations: 1. After the repayment is received, the credit limit of the card will be restored immediately; 2. After repayment, the card can't be used again. Just cut the card directly and handle it properly. You don't have to cancel it, and you can't cancel it. Generally, it is more than 3 days overdue, which may be the second case. You can't apply for another card. If you want to find out what kind of card your card belongs to, you can call our customer service.