Explain in detail:
1. Bank card overdue repayment refers to the situation that the bill is not paid off within a certain period of time after repayment. The specific overdue time is different according to different bank policies, generally 30 days shall prevail. In other words, if you don't pay off the bill within 30 days after the repayment date, the bank may freeze your bank card.
The reason why banks freeze bank cards is to protect the interests of creditors and prevent borrowers from defaulting on repayment indefinitely. When your repayment is overdue, the bank will make a freezing decision according to your repayment situation and credit history. However, the specific freezing time may be different due to different internal rules and regulations of banks, and even different in different situations.
3. If your bank freezes your bank card after your overdue repayment, you may be affected by the following:
A. The bank card cannot be used normally for consumption and withdrawal;
B. Bank outlets cannot provide counter services;
C. Unable to operate online banking, mobile banking and other electronic channels.
Extended data:
During the freezing period, you are still responsible for repaying overdue debts, and you need to pay off your debts in time after the freezing is lifted. If you don't repay the arrears for a long time, the bank may take further actions, such as collecting the arrears through a collection agency or taking legal measures.
Summary:
The overdue time for bank cards to be frozen is generally 30 days. The specific freezing time varies with different bank policies, but it will have a certain impact on your use and operation after freezing. Therefore, in order to avoid freezing your bank card, I suggest you repay it in full and on time.
The above is the answer about the overdue freezing time of bank cards. I hope I can help you. If you have any other questions, please feel free to ask.