Credit cards may be frozen by banks in some cases, as follows:

1. The bank's risk control system detects abnormal transactions.

2. The use of credit cards does not conform to the rules and regulations of the bank.

3. Overdue repayment for many times.

4. The bank will remind the user that the overdue repayment is short by SMS or email.

It is worth noting that if an individual's credit record is good, it will generally not be frozen by the bank. If the freezing is caused by overdue repayment, you can apply to the bank for thawing by paying off the arrears and establishing a good credit record for a period of time; If the freezing is caused by abnormal behaviors such as cashing out, if the behavior is not implemented, it is only necessary to explain the situation to the bank, and the bank will usually assist in unfreezing; If the freezing is caused by the loss or abnormality of the card, it is usually easy to apply for unfreezing after the card is retrieved.

can I pay back the money if my credit card is frozen?

Credit card freezing refers to the situation that the credit card cannot be used for consumption, cash withdrawal, installment payment, etc. at present, but the credit card bill has not been settled after freezing, and repayment is still needed. On the repayment date, if the cardholder fails to choose the full repayment or the minimum repayment amount, the bill will be regarded as overdue, which will not only be recorded in the overdue record, but also be charged with daily penalty interest.