If the credit card arrears are frozen, the annual fee will continue to be charged. If the card expires, it will not affect the bank's policy of collecting annual fees. The annual fee will be stopped only if the credit card is cancelled. It is recommended to unfreeze the credit card and pay off the money before canceling it.

To unfreeze a credit card, you must first understand the reason for freezing. There are two main reasons for freezing credit cards:

The first reason is that the cardholder fails to repay the loan on time for more than three consecutive months, and the bank has the right to freeze the credit card. Although the credit card is overdue and frozen, there are still late fees and interest.

So it's best to pay back the arrears as soon as possible. Because of the overdue freeze, the cardholder's credit information has been affected.

Never cancel your card at this time. Cancelling your card means that the bad record is always there, and the bank will question your integrity, which will have a bad influence on applying for other credit cards or loans in the future. Unfreeze the card and keep a good and continuous consumption record for 24 months, so that it will not be affected when applying for other credit cards or applying for car loans and mortgages in the future.

The second reason is that if the bank thinks that the credit card transaction is abnormal, the bank will freeze the credit card for the safety of the cardholder, which will lead to the freezing of the credit card.