If the credit card is frozen because of arrears, you can only close the account after paying off the arrears. If the credit card is not repaid, there is no way to close the account with the credit card. In fact, it is best not to close the account immediately after the overdue debt is paid off. It is best to use it for a period of time and overwrite the original record with the new record.
It is also possible that the credit card is frozen because the card is not normal. At this time, the bank will freeze the credit card to ensure its security. This kind of freezing and thawing can be cancelled normally without any influence. If the user continues to want to use this credit card, it is necessary to find out the reason for the abnormality of the credit card and correct it.
Credit card unfreezing is generally handled through bank customer service. When the freeze can be lifted, the bank usually completes the processing within 2 working days. If the freeze cannot be lifted, the card center may contact the customer himself to inform him (depending on the place). If the customer's reserved information is incomplete, he can only apply at the counter of the card center.
Credit card cancellation is to cancel all the credit cards of the user in the same bank name. It doesn't matter if there is only one. If you have handled more than one credit card in the same bank, you should pay attention to account cancellation at this time. But at this time, you can cancel your card. This cancellation method only cancels the credit card itself and will not affect the use of other cards.
After submitting the cancellation application, you need to call 45 days later to confirm whether the cancellation is successful. If the cancellation is unsuccessful, you can ask the customer service for specific reasons. After the improvement, cardholders can continue to submit applications. You can't cut off your credit card until you successfully cancel it.