To put it simply, the credit card payment is stopped by the banking industry. However, loan repayment and installment payment applications will generally not be affected. If the cardholder didn't take the initiative to apply for freezing, it would indicate that the credit card had already had a very serious loans overdue situation, which led to the freezing solution in the banking industry.

It also shows that the cardholder's personal credit information has a very serious overdue record. At this time, it is a wise decision to use the cardholder to choose to repay the loan on time.

after paying back the money on time, the past overdue credit record of the cardholder's personal credit will be turned over and gradually covered by a better repayment record. When the banking industry sees that the cardholder is repaying the loan on time, it will know that the cardholder has enough repayment ability at present. After reducing the risk of bank funds, it actually wants to eliminate the cardholder's credit card payment suspension.