The money deposited by JD Finance will not be frozen if the credit card is overdue. After inquiring about relevant information, JD Finance’s credit card will not be frozen. JD Finance’s co-branded card is the first credit card product launched by JD Finance and JD Finance, so overdue repayments will result in a credit investigation. JD Finance’s co-branded card is exclusive to JD.com. Credit cards will be frozen only through this kind of credit reporting and bad credit records.