the credit card pays back the money on time, which can maintain a good credit rating. Whether the funds are frozen affects personal credit depends on the reasons for freezing credit cards. The reasons are as follows: 1. For example; Bank cards frozen by public authorities, prosecutors, lawyers or banking departments due to credit card overdraft, failure to repay in time, default on public funds or bank loans will directly affect personal credit. 2. Personal credit will not be affected if the credit card is used illegally due to password error or misjudgment by the bank. 3. If the password is wrong and the bank card is used illegally, it will be frozen. You can go to the bank to apply for thawing.