The credit card can be used after it is unfrozen.

Under normal circumstances, if a cardholder's credit card is frozen due to failure to repay on time or multiple cash outs, they only need to call the credit card customer service center to explain the situation and have the card unfrozen.

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, and the credit card can be used after unfreezing.

How to deal with frozen credit cards:

1. Pay off the debt. Pay off any balance you owe, including interest, as soon as possible.

2. Call customer service to explain the situation. Call the credit card center to explain the situation and apply for activation. You should not need to provide any materials.

3. Be careful not to cancel the card.

Extended information:

After the credit card is overdue and deactivated, you can only repay it at an outlet. After repayment, you can cancel the card or apply for unfreezing to continue using it. However, it is best to unfreeze it. Then continue to use it and erase your bad credit record.

Chinese Merchants Bank credit card holders will have their credit cards frozen due to failure to repay on time or multiple cash outs. However, if the overdue situation is not serious, as long as the credit card center confirms that your debt has been paid off, the credit card will be frozen immediately. Deal with thawing.

If a China Merchants Bank credit card is overdue, China Merchants Bank will not only charge late payment fees and interest, but will also affect the cardholder's personal credit record. If there are more than 3 bad records (overdue 3 times) within 12 months, China Merchants Bank can freeze the credit card at any time and synchronize the bad records to the People's Bank of China. The cardholder can apply for credit cards, car loans, and housing loans from various banks in the next 5 years. etc. may be rejected.

So when you cannot repay in full, you should try your best to pay the minimum repayment amount to avoid overdue records. The late payment fee charged by China Merchants Bank is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of 10 yuan or 1 US dollar.

Assuming the total amount of 2,000 yuan, the minimum repayment amount is generally 10 of the full amount, which is 200 yuan, then the late payment fee is 200×5=10 yuan. In addition, if the repayment is not made in full, interest will be accrued on each purchase starting from the recording date, with a daily interest rate of 0.05% until the purchase is paid off.

Baidu Encyclopedia - China Merchants Bank Credit Card