From the point of view of the card department, the reason for the freeze is that the loan was not returned in time and at least three telephone calls failed. The card department analyzed that the cardholder may have problems with his rice bowl, so he made a decision to freeze the card to avoid further expansion of bad debts.

When your job and income return to normal standards, you want to open a card. Usually after the phone call, the card department will ask you to provide proof of work and fax it over. So the work of issuing your card for the first time was repeated. After waiting for a period of time, your card will usually be re-opened.