If the cardholder's credit card is frozen due to failure to repay on time or multiple cash outs, usually you only need to call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms Once your debt is paid off, we will immediately unfreeze it for you, and your credit card can be used after it is unfrozen.

As for the handling of personal bad credit records, according to the central bank's "Draft for Comments on Credit Information Management Regulations", the maximum retention period for bad credit records is 5 years, but only personal credit records will be included in the personal credit report. Show credit card records for 24 months. It is recommended to keep the card active for at least 2 years after activating the card to avoid negative effects on future credit card or personal loan applications due to bad credit history.

Call the customer service staff to explain the situation, and the bank should unfreeze it for you. Don't cancel the card at this time and continue to use it. After two years, there will be no adverse effects.

In other words, you should apply for a credit card after two years