1. Can be defrosted.
2. Detailed explanation:
a. First of all, after the ICBC credit card is overdue for three months and is repaid in full, the bank will lift the freeze and restore the credit limit.
b. However, if the second payment is overdue for two months, the bank may freeze the credit card again.
c. After the second payment is made in full, the bank will decide whether to unfreeze the bank card limit based on the customer's credit record.
d. At this time, although the limit may be reduced, the customer may still be unfrozen and resume normal use of the credit card.
3. Summary:
After the first overdue payment, even if a second overdue payment occurs, the customer still has the opportunity to unfreeze the credit card limit after paying off the full amount, although the limit may will be reduced.
4.
Extended information:
As one of China's largest banks, ICBC has an extensive credit card service network. Banks often decide whether to unfreeze overdue credit card limits based on the customer's repayment record and credit status. Late repayments may affect the customer's credit history, resulting in a reduction in the credit card limit. However, if the customer is able to repay the loan in full after the due date, the bank will usually consider unblocking the amount, although there may be slight restrictions.
When handling overdue repayments, banks will make decisions based on the customer's repayment status and credit history. If a customer repeatedly makes late payments, the bank may take more stringent measures, such as reducing the credit card limit or restricting the use of the credit card. Therefore, timely repayments and maintaining a good credit history are very important to avoid limit reductions and credit card freezes.
In addition, customers can inquire and understand detailed unfreezing policies and conditions by communicating with the bank. Different banks may have different operating regulations and policies, so it is recommended that customers contact ICBC promptly and consult their unfreezing policies and how to avoid limit reductions and freezes again.
The above is an answer based on the normal situation of credit card repayment and limit management. If you have specific circumstances, please consult ICBC for professional advice.