If the cardholder's credit card is frozen due to overdue repayment or repeated cashing, he should pay off all arrears including interest as soon as possible, call the credit card center to explain the situation and apply for opening. There should be no need to provide any materials. Never cancel your account, continue to use it for at least 2 years, and try to put an end to the above situation. If you can't repay in full before the due date, you can only repay the minimum amount without affecting your credit status. Usually, as long as you call the credit card customer service center to explain the situation and unfreeze it, if the overdue situation is not serious, as long as the credit card center confirms that your arrears have been paid off, it will unfreeze it for you immediately, and your credit card can be used after unfreezing.

Regarding the handling of personal bad credit records, according to the Draft of Credit Management Regulations of the Central Bank, the longest retention period of bad credit records is 5 years, but the personal credit report will only show the records of credit cards for 24 months. It is recommended that the card remain active for at least 2 years after activation, so as to avoid the negative impact of bad credit records on the application for credit cards or personal loans in the future.

Data of credit cards, loans and guarantees will be submitted to the personal credit information system and updated monthly. No matter how many days overdue, it will form a negative record, and the degree of overdue is only expressed by numbers. Credit cards not only record the current situation, but also record the repayment information in the last 24 months. If the account is closed and the information stops updating, it is impossible to replace the old negative information with new credible information.

Fortunately, the credit card has no accumulated items, and all overdue amounts have not been recorded since the card was used, so as long as it is used normally in the next two years, it will not have any impact.

So please pay attention to these problems when using credit cards! So as not to cause adverse consequences!