under normal circumstances, the cardholder's credit card is frozen because he fails to repay the loan on time or cashes out for many times. Just call the 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 your arrears have been paid off, it will unfreeze you immediately, and your credit card can be used after unfreezing.

How to deal with the frozen credit card:

1. Pay off the arrears

Pay off all the arrears including interest as soon as possible.

2. Call customer service to explain the situation.

Call the credit card center to explain the situation and apply for opening. There should be no need to provide any materials.

3. Be careful not to cancel the card

Never cancel the account, continue to use it for at least 2 years, and try to put an end to the above situation. If the repayment cannot be made in full before the due date, only the minimum repayment amount can be paid.

according to the central bank's "draft for comments on the regulations on credit management", the longest retention period of bad credit records is 5 years, but only credit cards with 24-month records will be displayed in personal credit report. It is suggested that the card should be kept in the active state for at least 2 years after activation, so as to avoid the negative impact of bad credit records on future applications for credit cards or personal loans.

in addition to recording the current situation, a credit card will also record the repayment information in the last 24 months. If the account is closed and the information stops updating, it will be impossible to replace the old negative information with the new trustworthy information.