If your CCB credit card is frozen, you cannot apply for installment. If your credit card is frozen, you cannot apply for installment. Even if it is not frozen, you cannot apply as long as the card status is abnormal. It is recommended to repay as soon as possible. If the card can return to normal, pay attention to repaying on time when using the card in the future.

Reasons for credit card freezing:

1. If the cardholder fails to repay on time for more than three consecutive months, the bank has the right to freeze the credit card. Although the credit card is overdue and has been frozen, late payment fees and interest still exist. So it’s best to pay off the debt as soon as possible. Because of the overdue freeze, the cardholder's credit report has been affected.

2. If the bank believes that the transaction of a credit card is abnormal, the bank will freeze the credit card out of consideration for the safety of the cardholder, which will cause the credit card to be frozen.

Credit card unfreezing method:

1. If the cardholder's credit card is frozen due to failure to repay on time or multiple cash outs, 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 the debt has been paid off, it will unfreeze the cardholder, and the credit card can be used after unfreezing.

2. Regarding the handling of personal bad credit records, according to the central bank's "Draft for Comments on Credit Information Management Regulations", the maximum retention period for bad credit records is 5 years, but only personal credit records are included in the personal credit report. Credit card records for 24 months will be displayed. It is recommended to keep the card active for at least 2 years after activating it to avoid negative credit records that may have a negative impact on future applications for credit cards or personal loans.