1. What should I do if my credit card is frozen and I can't afford it?

1, hurry to raise money to pay off debts: take action when the credit card is frozen and unable to repay. If we just ignore it, it will be very bad for us. I suggest you raise money to pay off the credit card debt quickly, and then explain the overdue reasons to the bank, and apply for unfreezing after providing the non-malicious overdue certificate.

2. Explain the overdue situation to the credit card center in time: If you can't raise money for repayment, you should also call the bank credit card customer service center to explain the overdue reason and declare that you are not maliciously overdue. Then provide relevant certificates to the bank, indicating that repayment should be negotiated. As long as the previous credit record is good, the average bank will agree to negotiate repayment.

2. Is there an annual fee when the credit card is frozen?

1. As long as the credit card is not cancelled, an annual fee will be incurred. So if the credit card is frozen, the bank will still charge an annual fee. Freezing can only indicate that the credit card is in an abnormal state and cannot be used temporarily. Many banks also have preferential policies for annual fees. As long as you use a certain amount, you can avoid the annual fee.

2. If you want to continue to use the credit card without the annual fee, you must find out the reason for the freeze, and then provide relevant supporting materials to apply to the bank for unfreezing. If it is due to overdue freezing, then the cardholder needs to pay off all the arrears and apply for thawing.

3. If my credit card is frozen, how can I resume using it?

1. The credit card has been frozen. If you want to use it again, you must apply to the bank. However, there are many reasons why credit cards are frozen, and different reasons lead to different overdue solutions. First of all, you should call the bank credit card customer service center to find out why your credit card is frozen.

2. Then prepare the proof of applying for thawing according to the customer service reminder, and go to the bank counter to apply for thawing. If it is frozen due to problems such as stolen brush or hacker attack, it can be unfrozen by modifying the account security information in time; If it is caused by abnormal card swiping, you need to apply for unfreezing with the voucher of normal consumption; If it is overdue, you can apply if you pay off the arrears.

The above is the explanation of what to do if the credit card is frozen. Is there still an annual fee for frozen credit cards? How to resume the use of frozen credit cards? Remember to pay attention to the later content of the platform for more information!

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication.