If the credit card is frozen due to overdue credit, and it is seriously overdue like this, you will not be able to get a loan even if you pay off the debt, and every application will be directly rejected. If you want to successfully apply for a loan, you need to pay off the debt on time for 2 years before you can apply for a loan. If it is simply frozen and there is no overdue record, the impact on the loan will be relatively small. If the cardholder uses the card illegally or repays the card, the risk of borrowing is very high. The reasons are as follows:

The first reason is that if the bank believes that the transaction of a credit card is abnormal, the bank will freeze the credit card out of consideration for the safety of the cardholder, which will cause the credit card to be frozen. If the card is frozen due to this situation, you can call the bank customer service and explain the situation to the bank, and the bank will unfreeze the card;

The second reason is that the cardholder has not repaid 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 has been frozen, late payment fees and interest still exist. Therefore, the borrower should pay off the outstanding balance as soon as possible at this time. Because of the overdue freeze, the cardholder's credit report has been affected. You must not cancel the card at this time. Canceling the card means that the bad record will always be there, and the bank will question the integrity of the cardholder, which will have a negative impact on applying for other credit cards or loans in the future. Keep good and continuous consumption records for 24 months after the card is unfrozen, so that it will not be affected when you apply for other credit cards, or apply for car loans or home loans in the future.

To sum up, if the tutor's credit card is frozen due to overdue repayment, it means that the tutor has been blacklisted by the bank. This will drag down all credit standing and cause problems in future bank loans.

Bank loan conditions:

1. The loan applicant has full capacity for civil conduct, and the applicant is over 18 years old and not over 65 years old on the loan maturity date and is a legal Chinese citizen Citizens must have a permanent residence in the city where the loan bank is located or a valid identity. The applicant must have a stable income, good credit, and the ability to repay the loan.

2. After clarifying the consumption intention, sign the relevant consumption contract and provide the borrower's recognized guarantee. The lending bank needs to review its loan conditions.