According to your description, the bank may have frozen your Guangfa credit card for the following reasons:

First, past overdue credit card records have caused the bank to worry about your creditworthiness. Banks will consider customers' credit status, including repayment history, borrowing ability and other factors when approving and managing credit cards. Even if you pay off the debt after it is overdue, the bank may still take measures to freeze the credit card to ensure the customer's ability to repay the debt and reduce risks.

Secondly, it may be to ensure your future repayment ability. Banks freezing credit cards can avoid the risk of customers overdue again and prevent you from continuing to have overdue payments in future purchases. This is also a measure for banks to protect their customers and their own interests.

Finally, it may also be the bank's internal policy. Different banks will have different risk control regulations and measures. Freezing credit cards may be the bank's standard operation for certain specific situations.

To sum up, the bank freezes your Guangfa Credit Card because the past overdue record has brought concerns to the bank, and it is a measure taken to prevent another overdue payment and to protect the interests of you and the bank. In this case, you can contact the bank to understand the specific reasons for the freeze and comply with the relevant regulations to gradually restore your credit.

Extended information:

Credit card overdue refers to the cardholder's failure to repay the credit card debt on time. Overdue credit will have a negative impact on your credit history, lower your credit rating, and may result in your credit card being blocked or revoked by the bank. Therefore, paying off debts in a timely manner and using credit cards in a standardized manner are important factors in maintaining a good credit record.