If your credit card is not overdue or frozen, you can go to the bank to unfreeze the card.

Reasons for credit card freezing:

1. If the cardholder fails to repay on time for more than 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 believes that the transaction of a credit card is abnormal, 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.

Credit card unfreezing method:

1. If the cardholder's credit card is frozen due to failure to repay on time or multiple cash outs, 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 the debt has been paid off, it will unfreeze the cardholder, and the credit card can be used after unfreezing.

2. Regarding the handling of personal bad credit records, according to the central bank's "Draft for Comments on Credit Information Management Regulations", the maximum retention period for bad credit records is 5 years, but only personal credit records are included in the personal credit report. The 24-month record of the credit card will be displayed. It is recommended to keep the card active for at least 2 years after activating the card to avoid a negative credit record that will have a negative impact on future applications for credit cards or personal loans.

Supplement:

Solutions for overdue credit cards:

1. If the cardholder forgets to repay the payment and finds it is overdue, he must repay it as soon as possible, preferably Repay in full. Call the bank's credit card center and declare that the debt is not malicious. If the overdue time is short, the bank may not count the bad records;

2. When the credit card is overdue and unable to repay due to unemployment, illness, etc., the cardholder should proactively contact the bank's credit card center before the repayment period. Explain your financial situation, declare that you do not owe money maliciously, and apply for deferred repayment or installment repayment;

3. Cardholders actively apply for deferred repayment, and banks will often agree to the extension. Banks and cardholders People agree on a mutually acceptable repayment plan. In this way, the bank will not record bad records, but you must repay on time after applying for an extension;

4. Credit card repayment information The central bank’s credit reporting system rolls over 24 months, and records of overdue credit card repayments will be included in the credit reporting It is stored in the system for two years. If you find that you have paid off the card overdue and then cancel the card directly, the information will not be rolled over, but will be saved for a long time. Therefore, after a cardholder has an overdue credit card, it is best not to cancel the credit card immediately. It is best to continue to use it for more than 2 years and maintain a good credit record thereafter.