After the overdue repayment of Guangfa Credit Card is frozen for three months, you can call the bank customer service to apply for unfreezing. After freezing, you can only repay, not consume, and not withdraw cash.

Reasons for freezing credit cards:

1. If the cardholder fails to repay the loan on time for more than three consecutive months, the bank has the right to freeze the credit card. Although the credit card is overdue and frozen, there are still late fees and interest. So it's best to pay back the arrears as soon as possible. Because of the overdue freeze, the cardholder's credit information has been affected.

2. If the bank thinks that the credit card transaction is abnormal, the bank will freeze the credit card for the safety of the cardholder, which will lead to the freezing of the credit card.

Credit card unfreezing method:

1. If the cardholder's credit card is frozen due to overdue repayment or repeated cashing, call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms that the arrears have been paid off, the cardholder will be unfrozen, and the credit card can be used after unfreezing.

2. As for the handling of personal bad credit records, according to the draft of the central bank's credit management regulations, the longest retention period of bad credit records is 5 years, but only credit cards with 24-month records will be displayed in the personal credit report. It is recommended that the card be kept in the status of active card for at least 2 years after activation, so as to avoid the negative impact of bad credit record on the application for credit card or personal loan in the future.