Generally speaking, it can be unfrozen. You need to contact the bank yourself.

1. If the repayment is successful, you can directly apply for unfreezing through customer service. If the freeze can be unfrozen, it will usually be processed within 2 working days. After unfreezing, you may need to reset your password, including Reactivate; if the freeze cannot be lifted, the bank's credit card center may contact the customer to inform them of the reasons and processing results (which vary from place to place). Of course, if the customer's reservation information is incomplete and the bank cannot notify the cardholder, it can only go to Apply at the card center counter.

2. If the card is frozen by the bank due to improper use of the credit card, overdue payment, etc., the cardholder needs to apply to the bank for unfreezing. If you need to lift the freeze on the day you pay off the debt, you may have to bring your card and ID card to the local card center counter to apply directly. If it can be lifted, it can be lifted on the same day. If it cannot be lifted, it means that the card has been forcibly canceled by the bank. , can no longer be used.

Note: If a credit card is frozen due to overdue debt, the credit limit may be reduced after being unfrozen, which is considered a penalty from the bank. Even if the credit limit is very low, do not cancel the card immediately or not use it at this time. To use it, continue to use the card, accumulate good credit card payment and repayment records, and overwrite the original bad records. Then you won’t see bad credit records on your personal credit report.

Extended information:

Explanation of terms related to credit cards:

1: Late payment fees: Credit card late payment fees refer to the actual repayment by the cardholder on the due date of the credit card. If the amount is lower than the minimum repayment amount, late fees will be charged for the unpaid portion of the minimum repayment amount. According to our understanding, the proportion of late payment fees is uniformly stipulated by the People's Bank of China, which is 5% of the unpaid portion of the minimum repayment amount. However, due to different policies of each bank, the minimum amount set is also different.

2: Interest: Calculated based on the arrears amount (principal plus interest plus late fees plus other fees) at a daily interest rate of 0.05%, and compound interest is calculated monthly or daily!

3: Other fees: Each bank charges different fees. Generally, there are cash withdrawal fees and handling fees. For details, please consult the customer service of each bank!

Reference materials:

The Supreme People’s Court plans to support overdue credit card interest calculation based on the balance_Central Broadcasting Network

Credit card “full interest calculation” will become a thing of the past_China Economy Net - National Economic Portal

Is credit card overdue repayment frozen? __Hainan News Network_...