If it is only a debit freeze, then the credit card will not be frozen.

1. If the cardholder fails to repay the loan on time for three consecutive months, the bank has the right to freeze the credit card. Although the credit card is overdue and has been frozen, late payment fees and interest still exist. So it’s best to pay off the debt as soon as possible. Because of the overdue freeze, the cardholder's credit report has been affected.

2. If the bank finds that there are abnormal transactions and risks in the credit card of the deceased person, the bank will freeze the credit card out of consideration for the safety of the cardholder, which will cause the credit card to be frozen.

3. If the bank thinks that the credit card is suspected of cashing out or has actually cashed out the credit card, this will also cause the credit card to be frozen. You must know that cashing out on the credit card is expressly prohibited by the bank, so do not use it on the credit card. Cashing out, if the cashing out is serious, may lead to criminal liability.

Extended information:

No matter which method is used to cash out credit cards, it is strictly prohibited by the bank. Once discovered by the bank, your credit card may be frozen or even affect your personal credit record, so you must consider it carefully before implementing a cash out.

Taking false consumption as an example, the act of withdrawing cash itself is not illegal. Because like any consumption, the bank earns handling fees from it, and the merchants also have to pay business tax, but the cardholder is exempted from the 0.05% interest for 50 days. If you fail to repay the loan in time after cashing out, or use someone else's ID card to apply for a credit card, and maliciously swipe the card to spend and cash out, this is a violation of the law.

Baidu Encyclopedia—Credit Card Cash