Legal analysis: Because credit cards whose online loans are frozen are basically unfrozen after the deadline, they are generally permanently frozen. Many card friends have tried to pay off overdue online loans and applied to bank customer service for unfreezing, but they were euphemistically rejected. Customer service will only say that the comprehensive score is not thawed enough. If the credit card is in arrears after freezing, you can repay it slowly and apply for freezing after paying off the arrears. Otherwise, if you can't use the card, you'd better cancel it. After all, credit cards are frozen, but they can't be traded. If the account still exists, the annual fee will still be deducted every year. If you don't use the card, you have to pay back. It is better to simply close the account, so that there will be no more expenses.

Legal basis: Article 6 of "Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases" can be higher than the bank's interest rate, and local people's courts can specifically grasp it according to the actual situation in the region, but the maximum shall not exceed 4 times (including interest rate) of the bank's similar loan interest rate. Beyond this limit, the excess interest will not be protected.