Repay the loan in full and on time as soon as possible, and then call customer service to apply for an unfreeze.

If you fail to pay the minimum payment on your bill in time before the payment due date, late fees and interest will be charged, and your personal credit will be affected. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until all is paid off.

If the repayment is late for a long time, the bank will also freeze the credit card. Long-term overdue payment will affect personal credit. The bank will truthfully feedback the cardholder's card usage according to the requirements of the People's Bank of China. And during this period, the bank will have specialists to collect the debt through text messages, phone calls or door-to-door visits, and there will be relevant agreements on the application form when applying for the card. If it is seriously overdue, the bank will reserve the right to pursue recourse in accordance with legal procedures, and will also There are SMS notifications, so in your situation it is better to pay off the money as soon as possible.

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be sentenced to: A fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other special circumstances If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a forged credit card, or using a false credit card Credit cards obtained through fraudulent identification;

(2) Using invalid credit cards;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.