The time it takes for a frozen bank card to be used depends on the nature of the freeze. Temporarily frozen, apply for unfreezing. Generally, it can be unfrozen immediately or within 7 working days. If it is permanently frozen, it cannot be thawed.

The period for the people's court to freeze the bank deposits and other funds of the person subject to execution shall generally not exceed six months, and may be extended for another three months. The period for sealing or seizing movable property shall not exceed one year. The period for freezing real estate and other property rights shall not exceed two years. Unless otherwise provided by law or judicial interpretation.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Credit card:

Credit card (Credit card), often called a credit card, refers to a certain credit limit given by the issuing bank to the cardholder. The cardholder can use the credit card to A credit card where you spend within the limit first and pay back later. It has the following features: consume first and repay later, enjoys an interest-free payment period (up to 56 days), and has a minimum repayment amount. Customers can repay in installments if they have overdrafts. Customers need to pay a certain amount of annual fees to the bank they apply for, which differs from bank to bank.

Quasi-credit card:

A quasi-credit card is a single-currency, single-account credit card that bears interest on deposits and settles purchases with the card in RMB. It has transfer settlement, cash deposits and withdrawals. , credit consumption, online banking transactions and other functions. When the balance of the account is insufficient for payment by swiping the card for consumption or cash withdrawal, the cardholder can overdraft consumption or cash withdrawal within the prescribed limited credit limit, and a certain amount of interest will be charged. There is no interest-free repayment period.

Quasi credit card is a type of credit card with Chinese characteristics. There is no such type of credit card abroad. In the late 1980s, China's banking industry introduced credit card products from abroad. Because China's personal credit system was not very perfect at that time, the Chinese banking industry made certain changes to foreign credit card products. The traditional foreign credit card policy of no interest on deposits and an interest-free period for overdrafts was changed to one with interest on deposits and no interest-free period for overdrafts.

A quasi-credit card has some functions of both a credit card and a debit card. It generally requires a deposit or a guarantor. When using it, you deposit first and then consume, and interest is calculated on the deposit. Cardholders can make small overdrafts within the limit approved by the card issuer when making purchases, but interest will be calculated on the overdraft amount from the date of overdraft, and the balance must be paid off in one go. There is no interest-free repayment period and minimum repayment amount. The basic functions are transfer settlement and shopping consumption.