If the credit card is overdue and the savings card is frozen, the parties concerned should repay the loan as soon as possible and then apply to the bank for unfreezing. If the law stipulates that the borrower fails to repay the loan on time, it needs to pay a certain amount of overdue interest in accordance with the agreement or relevant state regulations, and bear the corresponding liability for breach of contract.

Legal objectivity:

Article 676 of the Civil Code of People's Republic of China (PRC) If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state. Article 678 of the Civil Code of People's Republic of China (PRC), the borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended. Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.