Legal analysis: If only the deduction is frozen, then the credit card will not be frozen. 1. If the cardholder fails to repay on time for three consecutive months, 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. Because of the overdue freeze, the cardholder's credit information has been affected.

2. If the bank finds that there is an abnormal transaction, it is risky to hold the deceased's credit card. For the safety of the cardholder, the bank will freeze the credit card, resulting in the freezing of the credit card. 3. If the bank thinks that the credit card is suspected of cashing out or indeed cashing out the credit card, it will also cause the credit card to be frozen. You know, cashing in credit cards is prohibited by banks. Don't cash in credit cards. If the circumstances of cash withdrawal are serious, criminal responsibility may be incurred.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 100 A people's court may, on the application of the other party, order the preservation of property, order the implementation of certain acts or prohibit the implementation of certain acts in a case that may cause difficulties in execution or other damage due to the behavior of one party or other reasons. If the parties do not apply, the people's court may also order the adoption of preservation measures when necessary. When the people's court takes preservation measures, it may order the applicant to provide a guarantee. If the applicant is unable to provide a guarantee, the application shall be rejected. After accepting the application, the people's court must make a ruling within 48 hours in case of emergency; Those ordered to take protective measures shall be executed immediately.

Article 101 If an interested party fails to apply for preservation immediately due to an emergency, which will cause irreparable damage to his legitimate rights and interests, he may apply to the people's court where the property to be preserved is located, where the respondent has his domicile or has jurisdiction for preservation measures before bringing a lawsuit or applying for arbitration. The applicant shall provide a guarantee. If no guarantee is provided, the application will be rejected. After accepting the application, the people's court must make a ruling within 48 hours; Those ordered to take protective measures shall be executed immediately. If the applicant fails to bring a lawsuit or apply for arbitration according to law within 30 days after the people's court takes the preservation measures, the people's court shall lift the preservation.