First of all, many overdue payments. After you overdraw your credit card with Bank of Communications, the bank may freeze your credit card if the repayment is overdue for many times. In this case, the best way to deal with it is to pay off all the arrears, and then call the customer service of Bank of Communications for unfreezing. Generally speaking, if there are not many overdue times, it will be thawed.

Second, cash out maliciously. If you cash out with a credit card maliciously, the bank will also freeze your credit card. If you just use your credit card for normal consumption and don't withdraw cash, you can provide your consumption voucher to the bank and let it unfreeze you.

Third, property is frozen due to various disputes. In this case, the credit card will also be frozen, so you can only ask the bank to unfreeze your credit card after the lawsuit is resolved.