How to deal with overdue credit card freezes

Cardholders whose credit cards are frozen due to failure to repay on time must pay off all arrears including interest as soon as possible, and then apply to lift the freeze . Whether the freeze on the credit card is lifted depends on the bank's credit evaluation of the cardholder, and there is no guarantee that the freeze will be lifted if the outstanding balance is paid off.

If the overdue situation is not serious, as long as the credit card center confirms that your debt has been paid off, it will immediately unfreeze it for you, and your credit card can be used after it is unfrozen. In this case, do not cancel the credit card without authorization. It is recommended to continue to use the card within two years and maintain a good credit record so that it will not have an impact on your credit.

But if the overdue situation is serious and the bank considers it to be a malicious overdraft, even if you pay off the debt after the due date, the bank may not unfreeze it for you, and you will lose this right forever. To qualify for this credit card, you must reapply for other credit cards.