Legal analysis: The only solution to freeze the savings card due to overdue credit card is to repay the credit card as soon as possible, and the savings card can only be unfrozen after the credit card repayment is completed. Under normal circumstances, users can also directly prepare relevant repayment vouchers and apply to the bank for thawing after completing the repayment.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 579 If one party fails to pay the price, remuneration, rent or interest, or fails to perform other monetary obligations, the other party may demand payment.

Article 580 Where one party fails to perform the non-monetary debt or the performance of the non-monetary debt is not in conformity with the agreement, the other party may request performance, except in any of the following circumstances:

(a) unable to perform in law or in fact; (two) the subject matter of the debt is not suitable for compulsory performance or the cost of performance is too high; (3) The creditor fails to request performance within a reasonable time limit.

In case of one of the exceptional circumstances specified in the preceding paragraph, the purpose of the contract cannot be achieved, the people's court or arbitration institution may, at the request of the parties, terminate the rights and obligations of the contract, but it does not affect the liability for breach of contract.