If the credit card needs to be opened after freezing, you need to call the bank's credit card service hotline to apply and need to re-approve. Credit cards are stopped for many reasons, including risky transactions, cash withdrawal, long-term overdue and so on.

If your credit card is frozen because the bank thinks it is risky, you can call the customer service center of Agricultural Bank of China to ask about the specific situation and see if you need to reissue a new card or open it directly.

If it is because it is recognized as a cash-out behavior by the bank, then you not only need to explain clearly, but also may submit relevant transaction vouchers to the business outlets, indicating that it is not a cash-out behavior.

If the credit card is frozen after it is overdue, either you owe a huge amount or you have been overdue for a long time, which is a serious overdue behavior. I can only pay off the debt immediately and call the bank customer service to ask if I can continue to use it. If you can continue to use it, you can unfreeze it, but you may face penalties such as reducing the amount. Even so, I suggest that you don't cancel the card, but continue to use it, because continuing to use it normally can cover up the previous bad record. If you continue to use it for more than two years, it will generally not appear in the credit report, and it will be deleted after five years, which will no longer affect personal credit.