The specific method is as follows: 1. If the cardholder fails to pay off the credit card debt, he will pay off the money in time, call the bank customer service and truthfully explain the situation. There is no reason for banks to freeze credit cards, which are usually unfrozen.

2. If the customer service of the bank asks the cardholder to hand over the credit card, the cardholder fails to save the credit card during the credit card swiping. You can tell the customer service truthfully, apply for a waiver, and then you can swipe your card normally and repay on time.

3. After the card is cancelled, the cardholder will keep a record of overdue repayment until it is eliminated after 5 years. After the cardholder pays off the money, he can save money and swipe his card. After 3 to 6 months, he can apply to the bank for thawing. It is possible that the bank will automatically unfreeze you during this period.