If a China Merchants Bank credit card is suspended, it can still be restored. But the premise is that overdue debts are paid off.

1. According to the regulations of China Merchants Bank, Chinese residents who are over 18 years old, have full capacity for civil conduct and good credit, foreigners who are resident in the country and have full capacity for civil conduct, and people from Hong Kong, Macao and Taiwan who have full capacity for civil conduct. Compatriots can apply for a personal credit card master card from the card issuer with their valid identity documents.

The main cardholder of the personal card can also apply for a supplementary card for a specific natural person with full capacity for civil conduct or a natural person with limited capacity for civil conduct. Supplementary card application materials must be confirmed by the primary cardholder's personal signature, customer service call recording, electronic signature, or a method mutually recognized by the cardholder and the card issuer. The main cardholder can apply to cancel the supplementary card at any time.

If the credit card has been overdue and has been suspended, the credit card can be reinstated if the validity period is 2 months or more.

2. If you need to apply for a credit card again, no matter which bank you apply for, the first thing you need to do is to pay off the debt on the previous China Merchants Bank credit card, because the bank's credit record is in the People's Bank of China. It’s so special, other banks can also check your information.

3. Don’t rush to cancel the card after paying off the debt. You should continue to use the card and pay off the debt on time every month. Generally, your bad credit record will be covered after two years. When you apply for a credit card, you won’t have to worry about it.

Extended information:

1. If the credit card is still valid for 2 months or more, you can call 4008205555 at any time and transfer to manual customer service to apply for reinstatement of the card. ?

2. After the entire household has been cancelled, you can call 4008205555 within 6 months from now and transfer to manual customer service to apply for reinstatement of the card. The final review result shall prevail. ?

3. If the application for card reinstatement is unsuccessful, you can reapply for a credit card. ?

4. To apply for a business card to resume using the card, please contact the company’s authorized person to issue a business card business processing form to apply.

Data source: China Merchants Bank Credit Card Terms and Conditions