If it is overdue for more than 60 days, the record will be entered into personal credit information;

If it is overdue for more than 90 days, record bad personal credit information;

Then it will have a certain impact on future loans.

Frozen credit cards can be unfrozen under certain conditions, please call the credit card customer service center to handle it.

If the credit card is frozen due to overdue credit card, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the bank credit card customer service center to explain that the bank will unfreeze under normal circumstances. After that, the cardholder should repay the loan on time, and don't overdue it again, because overdue credit cards will be included in the personal credit information system, and too many overdue times will affect future loan applications.

The credit card was frozen because it was cashed out. Depending on the situation, if it is not a subjective cashing, but the bank mistakenly thinks it is cashing, the cardholder can call the bank's credit card customer service center to explain the situation and apply for credit card unfreezing.

The credit card was frozen because it was stolen. Generally, after the stolen credit card is processed, the bank will unfreeze it.