1. Contact the bank: contact the issuing bank, explain the situation and seek their help and advice. Understand the status of the current card and the conditions and procedures required for thawing.

2. Pay off debts: Pay off all outstanding debts as soon as possible, including overdraft amount and related interest. Discuss the repayment plan with the bank, or consider borrowing money from relatives and friends to repay.

3. Repair credit records: After consultation with the bank, confirm whether the bank will delete or update overdue records to normal records after repayment. At the same time, you can apply to the Credit Bureau for repairing credit records, provide relevant supporting materials and request to delete some overdue records.

Summary: Cooperate with the bank to solve the problem of credit card freezing and pay off the arrears as soon as possible. At the same time, communicate with banks and credit reporting agencies to seek to delete or repair some overdue records in order to reduce the negative impact on personal credit.

Extended data:

Overdue bank credit cards may lead to damage to credit records, which in turn will affect future loans, credit lines, housing leases, etc. Taking action as soon as possible and cooperating with relevant institutions to solve problems is an important step to restore credit.

Please note that the above suggestions are for reference only, and the specific operation needs to be carried out according to the actual situation and local laws and regulations. It is recommended to consult a professional financial consultant or legal expert for personalized advice.