1. How to resume the use of overdue frozen credit cards?

1. If the cardholder fails to pay off the credit card debt, he should pay it off in time and call the bank customer service to truthfully explain the situation. Under normal circumstances, credit cards will be unfrozen. If it is overdue for many times, the bank will first let the cardholder pay off all the arrears, including interest. If the circumstances are serious, it is difficult to thaw.

2. If it is suspected that cashing is frozen, the bank explicitly prohibits cashing, which is more troublesome to unfreeze. If the bank requires the cardholder to cash out, the card can't be unsealed. However, if there is evidence that it is not self-withdrawal, then there is theft and so on. , you can apply for thawing.

Second, how to repay the overdue frozen credit card?

1. After the credit card is frozen, you need to go to the bank counter to repay it. If your credit card is frozen and the debt is not paid off, the bank still requires the cardholder to repay, and the repayment can be recorded normally at this time. After the credit card is frozen, you need to go to the bank counter to repay it.

2. If the credit card is restricted, it can be cancelled under certain conditions. Please call the credit card customer service center. After the credit card is overdue, you can only repay it at the outlet. You can sell the card after repayment, or you can apply for thawing and continue to use it. Determine the order according to the overdue amount.

3. Is it serious that the overdue credit card is frozen?

1. When the card is still frozen, it needs to be thawed before it can be used. Freezing itself is not serious, but it is more serious when the overdue amount is large or long. Generally, as long as the credit card center confirms that the arrears have been paid off, it will unfreeze the cardholder and use the credit card after unfreezing.

2. Regarding the handling of personal bad credit records, according to the draft regulations of the central bank on credit management, the longest retention period of bad credit records is 5 years, but credit cards will only be displayed in personal credit reports. It is recommended to continue to use credit cards and cover previous bad records with good monthly records.

Special circumstances can click the consultation button on the right. The website provides professional lawyers to answer questions, help you solve the repayment problem and let you return to your normal life.