When we use a credit card, if there is any illegal use, once it is caught by the bank's risk control system, your credit card will be frozen immediately. So will the credit card freeze affect the loan? Let’s take a look below.

Will freezing your credit card affect your loan

1. Freeze due to overdue behavior

If your card is frozen due to overdue behavior, it means that you are overdue The behavior is already quite serious. Generally speaking, if it is overdue for three consecutive months, it will be overdue six times, which is the so-called six-in-a-row situation, which is a very serious overdue behavior. If this is the case, your credit score will turn into a black account, and it is often difficult to apply for a loan. You need to pay off the money first, and then consider taking out a loan.

2. Freeze due to risky behavior

The bank monitors our cards in real time. If we find some bad card usage behavior or suspect that the card has been stolen, In this case, the card will be frozen. Generally speaking, if it is frozen in this case, it will have little impact on the loan application. However, if the card is used illegally, such as cashing out, using the card to maintain the card, etc., the bank may have some impact on the loan application. Because card usage is sometimes one of the factors investigated when applying for a loan, frequently cashing out can be considered a risky loan.

I would like to remind you: Whether credit card freezing affects loans should be considered from the source and measured based on the reasons for the freezing. Of course, you can also improve your overall strength through other aspects to obtain a loan.