Your credit card may be frozen due to the following reasons:

1. Overdue record: You mentioned that the credit card is overdue for three years, and the overdue record has a great impact on the use of the credit card. . The bank may freeze your credit card due to your overdue behavior to protect its own rights and interests.

2. Risk control: When banks manage credit cards, they will conduct risk control based on the customer's repayment status and credit record. If you are overdue for a long time and fail to reach a repayment agreement with the bank, the bank may consider you to be a higher credit risk and take measures to freeze your credit card.

3. Repayment ability: Another reason why banks freeze credit cards may be because they have doubts about your repayment ability. If you are overdue for a long time, the bank may doubt your ability to pay off your credit card balance on time and freeze the credit card to protect its own interests.

To sum up, your credit card is likely to be frozen due to long-term overdue repayments, bad credit history for the bank, and doubts about your ability to repay. In order to avoid your credit card being frozen, it is recommended that you maintain good repayment habits, repay your credit card balance on time, and establish good communication and coordination relationships with your bank.

Extended information:

Late repayment will have a negative impact on an individual's credit record, thereby affecting the individual's credit evaluation from financial institutions and the acquisition of credit lines. Continuous overdue repayments may result in the credit card being frozen or canceled. Therefore, timely repayment is an important part of maintaining a good personal credit status.

The use of credit cards has become popular, and banks are paying more and more attention to risk control and credit evaluation in credit card management. Overdue repayment is one of the issues that banks are most concerned about and attaches great importance to. Banks will decide whether to freeze a credit card based on an individual's credit record and repayment ability. Therefore, repaying your credit card on time and using your credit card appropriately are important ways to maintain a good credit record and avoid credit card freezes.

The above is an analysis and explanation of the possible reasons why credit cards are frozen. Hope this helps. If you have any other questions, please feel free to ask.