If the credit card is frozen, it will appear that your credit card can no longer be used. And must make up the arrears and overdue interest. If you don't pay the arrears, the possible consequences are as follows:

1, unable to continue to apply for credit cards of our bank and other banks.

2. The credit report has a bad record.

This may make it impossible to apply for a loan.

The credit card was frozen due to overdue repayment.

If the cardholder often fails to repay the loan, or the overdue time is too long, the bank will temporarily freeze your credit card in order to control the risk. If you want to continue to use this credit card, the first thing to do is to repay it as soon as possible, and it is best to repay the interest, liquidated damages and principal in full.

Then, take the initiative to contact the bank to negotiate, sincerely express that you did not intend to overdue, and ensure that you will repay on time in the future. Generally, the overdue period is not particularly serious, and the bank will unblock it for you.

Extended data:

According to the relevant provisions of the Criminal Law, the following penalties are imposed on the crime of credit card fraud:

First of all, if the overdraft amount is especially huge or there are serious circumstances, a fine of 50,000 yuan to 500,000 yuan will be imposed, assets will be confiscated, and fixed-term imprisonment of not more than 10 or life imprisonment will be imposed;

Secondly, if the overdraft amount is huge or the circumstances are serious, a fine of 50,000 yuan to 500,000 yuan shall be imposed, and a fixed-term imprisonment of more than 5 years 10 years shall be imposed;

In addition, if the overdraft amount is relatively large, a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed, and a fixed-term imprisonment of not more than five years or criminal detention shall be imposed.

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