Card friend Xiaoqi's credit card was frozen for some reasons. Seeing that the credit card could no longer be used, she thought about not paying back the loan. In fact, this is a wrong perception. Even if the credit card is frozen, you still have to repay it on time. Once it is overdue, it will affect your personal credit. So, how do you repay if your credit card is frozen? Let’s take a look below. The so-called credit card freezing means that the credit card suddenly cannot be used. For example, the card cannot be swiped, cash cannot be withdrawn, installments and other services cannot be processed, etc. Generally, there are three main situations that lead to the freezing of a credit card: multiple overdue repayments and suspected cashing out. , cards are risky, etc. Although a frozen credit card cannot be used, it does not mean that you can not repay the debt. If you want to prevent yourself from having bad credit, which will affect your future loans and credit card applications, you still have to repay on time.

1. How to repay a frozen credit card. There are many repayment methods for frozen credit cards. The most convenient ones are the two types of online banking repayment and third-party payment platform repayment. The details are as follows: 1. Online banking The prerequisite for repayment is that you must open online banking, and then log in to online banking to transfer and repay. It is recommended to directly download a mobile banking, so that no handling fee is required whether it is repayment within the same bank or across banks. Paying off your credit card in this way is convenient and fast. You can pay off your credit card without leaving home, and it usually arrives in real time. 2. Third-party payment platform repayment Most payment platforms have opened credit card repayment functions, such as Alipay, WeChat, etc. You only need to bind a credit card to Alipay or WeChat on your mobile phone, and then use the credit card repayment functions of these platforms. This repayment method is also free, but it does not arrive in real time. It is recommended to repay in this way, preferably a few days in advance.

2. Can the credit card be unfrozen after repayment? Some friends think that after the credit card is frozen, it can be unfrozen as long as the payment is made on time. In fact, this depends on the situation: 1. If it is frozen due to overdue payment , first of all, pay off all outstanding debts including interest as soon as possible. Then call customer service to explain the situation and apply for activation. Generally, no materials are required. 2. If it is frozen due to suspicion of cashing out, it is the best solution if you can provide your credit card consumption vouchers in the past year, otherwise it will not be unfrozen even if you pay back the money.