After the card is frozen, the bank card will usually be automatically unfrozen after 72 hours. If it has not been unfrozen after this time, the account may have received illegal funds. In this case, you can consult the bank for the specific unfreezing time.
If your card is terminated, the credit card cannot be used. There may be slight differences among banks in various places, but the main reason is that cardholders have a large number of overdue bad debts and daily small-amount working capital is overdue many times, which will affect the use of credit cards and stop them. So be sure to repay the loan promptly and within the deadline.