Generally speaking, the reasonable use of credit cards by cardholders will not be frozen. However, if the cardholder fails to repay the loan on time, the ICBC credit card will be frozen after it is overdue after being repeatedly reminded by the bank.

Whether the overdue account of ICBC's credit card repayment can be restored immediately after being frozen depends on the situation:

1. Short overdue time.

If the cardholder's overdue time is not long and the amount is not large, he can apply for thawing immediately. Call customer service to apply for thawing and recovery.

2. Serious overdue behavior

If the cardholder is seriously and maliciously overdue and fails to repay the loan for many times, the bank will come to the door to collect the money. In this case, the application is also invalid. Banks will not consider unfreezing first, and need to observe for a certain period of time on the basis of paying off, and then try to apply for settlement.