Does the subject want to ask, "What happened when the industrial and commercial credit card expired for five years and the bank stopped paying on the credit report and applied for unfreezing it to normal state?" ? The credit card has no bad record for five years and can be unfrozen.

1. If the credit card is overdue for three months and refuses to repay after at least two effective collections, or the cardholder commits serious violations in the process of using the card, the credit card will be "stopped" by the bank.

2. If the payment is stopped for 5 years, the credit investigation can be resumed, and you can apply for thawing to normal state.