Credit card holders of China Merchants Bank will be frozen for failing to repay or cash out on time for many times. But if the overdue situation is not serious, as long as the credit card center confirms that your debt has been paid off, it will be unfrozen immediately.
Another reason for disabling credit cards is that the cardholder fails to repay on time for more than three consecutive months, and the issuing bank has the right to unilaterally disable credit cards.
In this case, even if the credit card is stopped, the cardholder's bill still has late fees and interest, and will continue to increase if the amount reaches the bank's regulations.
Banks can sue cardholders, and cardholders with large amounts will be punished, so it is best for cardholders to pay off their credit cards in full after they stop using them.
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At the same time, in order to avoid the blacklist of credit records, it is best to reactivate this credit card, repay it on schedule, and offset the original bad credit records with continuous periods, otherwise the cardholder will not be able to apply for any other new credit cards.