If your credit card is frozen and basically cannot handle any business, you need to apply for unfreezing in time. So, how to apply for unfreezing if your credit card is overdue and frozen? Let’s learn more with this question!
How to apply to lift an overdue credit card that has been frozen?
A credit card that is overdue and frozen needs to be repaid in full. If the overdue situation is not serious, as long as the credit card center confirms that the cardholder has repaid the balance. If cleared, the bank’s online customer service will handle unblocking for the cardholder.
In addition, users cannot cancel their accounts just because their credit cards have been frozen, because the Central Bank has expressly stipulated that bad credit records should be kept for a maximum period of 5 years, and the personal credit report will show the recent 24 months. Personal credit record, if the bank card is cancelled, this information will cease to be updated.
That is to say, the old negative information cannot be overwritten with new records, resulting in personal credit card overdue records that will always exist. Therefore, users should not cancel the card casually. They only need to continue to use the card for 2 years and keep it. With a stable personal credit record, previous records will no longer be affected.
Will a frozen credit card be automatically unfrozen?
There are many reasons why a credit card is frozen. If it is frozen due to risky transactions, it will be automatically unfrozen after the bank verifies that there are no problems. Also, if the password is entered incorrectly or there is suspicion of cashing out, etc., it will be automatically unfrozen. Because the overdue balance is frozen, users need to settle the overdue balance first and then apply to unfreeze it. If they do not apply, the system will not automatically unfreeze it.
In addition, if you cannot find the reason why the credit card is frozen, you can directly consult the manual customer service and let the manual customer service guide the user to unfreeze it.