The first reason is that the cardholder fails to repay the loan on time for more than three consecutive months, and the bank has the right to freeze the credit card. Although the credit card is overdue and frozen, there are still late fees and interest. So it's best to pay back the arrears as soon as possible. Unfreeze the card and keep a good and continuous consumption record for 24 months, so that it will not be affected when applying for other credit cards or applying for car loans and mortgages in the future.

The second reason is that if the bank thinks that the credit card transaction is abnormal, the bank will freeze the credit card for the safety of the cardholder, which will lead to the freezing of the credit card. The bank thinks you cashed in maliciously and froze your credit card. If it is frozen due to the second situation, please call the bank customer service as soon as possible and explain the situation to the bank. This will thaw.