Freezing a credit card is a self-protection measure for the bank, and it is also a punishment for the cardholder, forcing the debtor to take measures to unblock it as soon as possible. Whether it will become a black account depends on the specific situation:

1. Overdue funds are blocked

1. If the payment is overdue for 6 times or 3 times in a row (i.e. 90 days), it will generally enter the blacklist, and the credit card will not be unfrozen after repayment;

2. If it is overdue for a total of 6 times or 3 times in a row (i.e. 90 days), it will generally not be entered into the blacklist. You can apply for unfreezing after paying off.

2. Cashing out

If the bank suspects cashing out and freezes it, if you cannot provide evidence to convince the bank, it will generally be blacklisted and the credit card will not be unfrozen. Extended information

Personal credit report:

Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting.

In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

The main factors that may affect personal credit risk scores are: there have been overdue repayments on loans, or credit card overdrafts have not been repaid within the agreed time limit and repayment amount, or there are too many loan accounts and credit cards, etc.

Reference: Baidu Encyclopedia: Personal Credit Report