One of the reasons: failure to repay on time.

A month's non-repayment will not be frozen by the bank. Usually for more than three months in a row. In order to prevent you from overdrawing, the bank will freeze your credit card, but you still need to pay the corresponding late payment fee and interest.

The second reason: credit cards are not safe.

The bank will have a monitoring system. When the system thinks your credit card is in an unsafe state, the bank will also freeze it for you.

How long can the credit card of China Merchants Bank be unfrozen after freezing?

Generally speaking, if the overdue situation is not serious, China Merchants Bank Credit Card Center will unfreeze it for you immediately as long as it confirms that your arrears have been paid off, without waiting.

How to unfreeze the credit card of China Merchants Bank after freezing?

1, repayment of arrears

If the arrears are frozen, you only need to pay back the arrears and keep a good and continuous consumption record for 24 months, so that it will not be affected when you apply for other credit cards or car loans and mortgages in the future.

Step 2 make it clear

If your credit card is frozen due to unsafe factors, then you just need to call the bank customer service and explain the situation to the bank. This will thaw.