No loans. Credit cards are frozen for two main reasons. The first reason is that the cardholder fails to repay on time for more than three months in a row, and the bank has the right to freeze the credit card, but the late payment fee and interest still exist. So it's best to pay back the arrears as soon as possible. Because of the overdue freeze, the cardholder's credit information has been affected. Never cancel your card at this time. Cancelling your card means that the bad record is always there, and the bank will question your integrity, which will have a bad influence on applying for other credit cards or loans in the future. Unfreeze the card and keep the continuous consumption record for 24 months, which will not be affected when applying for other letters in the future. The second reason is that if the bank thinks that the transaction of a credit card is abnormal, the bank's position is correct, which will lead to the freezing of the credit card, so please call the bank customer service as soon as possible to explain the situation to the bank.
Second, hurry! My CCB credit card has been frozen! Will it affect future loans?
If time is tight, the bank won't freeze your card.
It must have been more than three months. Bad records must have been left behind.
It may even be blacklisted. If blacklisted, you can bid farewell to credit cards and loans within seven years.
The bank won't even let you use your credit card, which must have an impact on the loan.
3. Can I get a loan after the credit card is frozen and thawed?
Bad credit card records will be kept in China People's Bank for two years. The bad record of freezing should be quite serious. If this record still exists, it is basically impossible to approve the loan application.
It will take two years after freezing.
4. Can I get a loan after the credit card is frozen and thawed?
It depends on whether the overdue period is serious or not. Once the cardholder fails to pay off the arrears on time, there will be overdue records in the personal credit report. According to the latest regulations, the longest retention period of bad credit records is 5 years. As for the card freeze, I suggest you call the issuing bank to unfreeze it. As long as the issuing bank confirms that your debt has been paid off, it will unfreeze it for you immediately, and your credit card can be used after unfreezing. If the circumstances are minor, there will be bad records. Now you owe an annual fee plus a late fee, depending on whether your credit card is an ordinary card or a gold card, single currency or double currency. If it is a single-currency ordinary card, it is generally around 80 to 100, and it needs to be returned to 200 yuan at most. If it is a single-currency gold card, the debt should be below 300. If it is a dual-currency gold card, the debt can probably reach 300 to 500. Not necessarily if it's a platinum card. As far as I know, the minimum annual fee for platinum is 480, and the maximum is over 10,000. Pay it back quickly. If there are other credit cards in use, your record will be cleared in about two years. If not, then have a war of words with the bank, and then ask them to issue a certificate to prove that your bad record is caused by the negligence of the annual fee, and non-personal consumption leads to bad credit, and then affix the official seal of the bank to avoid serious problems such as mortgage and car loan extension. For the purpose of illegal possession, the cardholder overdraws above the prescribed limit or within the prescribed time limit, and the card-issuing bank collects it twice. In addition to paying interest, overdraft credit cards will have to pay a high late fee if they cannot repay in time, which will affect personal credit records, and malicious overdraft will also be suspected of constituting a credit card crime. If the overdue amount is 1 10,000-1 10,000, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; 65438+ 10,000-1 10,000, more than five years and less than ten years, and a fine of more than 50,000 yuan and less than 500,000 yuan; 1 10,000 yuan or more shall be sentenced to fixed-term imprisonment of not less than 10 year or fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.