Because overdue credit cards are frozen, usually as long as you pay the arrears, you can call the bank credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms that you have paid off the debt, it will immediately unfreeze it for you. The unfrozen credit card is sometimes reduced, but it can be used normally.

The freezing of credit cards will produce bad credit records. Regarding the handling of personal bad credit records, according to the regulations in the draft of the central bank's credit management regulations, the longest retention period of bad credit records is 5 years, but the personal credit report will only show the records of credit cards within two years. It is recommended to keep it in normal use for at least 2 years after thawing, so as to avoid the negative impact of bad credit records on future credit card or loan applications.