Avoid the occurrence of overdue credit cards, and make reasonable plans to use credit cards rationally after paying off the debt, so as not to affect your credit rating.

Specific steps:

1. Pay off all overdue amounts: You need to pay off the overdue amounts as soon as possible, including principal, interest and late fees.

2. Contact the card-issuing bank to apply for unfreezing: You can contact the card-issuing bank to consult and apply to unfreeze the credit card. Generally speaking, unfreezing takes a certain amount of time and you need to wait for the processing to be completed.

3. Verify credit card status: Confirm that your credit card has returned to normal use.