Legal analysis: the court will freeze the original credit card, and you can continue to use it after the arrears are paid off. Call the bank customer service phone to apply for unfreezing the credit card. Half of the credit cards overdue for three months will be frozen, which will affect personal credit. 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 frozen, there are still late fees and interest. 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.

Legal basis: Article 242nd of the Civil Procedure Law of People's Republic of China (PRC), if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform. When the people's court decides to seal up, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, which the relevant units must handle.