First, the credit card owes too much, but the cardholder fails to repay it in time. In this case, the bank will freeze the cardholder's credit card account;

Second, the cardholder's credit card account will be frozen after applying for loss reporting;

Third, when paying by installment, the installment amount will be frozen, but the frozen amount will be thawed one by one with the repayment of each installment.

If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.