Reasons for freezing the credit card:

1. If the cardholder fails to repay the loan on time for more than three consecutive months, the bank has the right to freeze the credit card. Although the credit card is overdue and has been frozen, the late payment fee and interest still exist. So it's best to pay back the arrears as soon as possible. Because of the overdue freeze, the cardholder's credit information has been affected.

2. If the bank thinks that the transaction of a credit card is abnormal, the bank will freeze the credit card for the sake of the cardholder's safety, which will cause the credit card to be frozen.

credit card unfreezing method:

1. If the cardholder's credit card is frozen due to late repayment or multiple cashing, call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms that the debt has been paid off, it will unfreeze the cardholder, and the credit card can be used after unfreezing.

2. as for the handling of personal bad credit records, according to the central bank's "draft for comments on the regulations on credit management", the longest retention period of bad credit records is 5 years, but only credit cards with 24-month records will be displayed in the personal credit report. It is recommended to keep the card active for at least 2 years after activation, so as to avoid the negative impact of bad credit records on future applications for credit cards or personal loans.