If the credit card is frozen due to overdue, the cardholder should repay the overdue debt as soon as possible. After paying off the credit card debt, the cardholder can call the credit card customer service center of the issuing bank to apply for unfreezing and explain the situation. Under normal circumstances, the bank will unfreeze after confirming the repayment. In the future, cardholders should repay each installment on time, and don't make it overdue, because overdue credit cards will be included in the personal credit information system, and too many overdue times will affect future loan applications.

Credit cards overdue for more than 90 days are frozen and cannot be unfrozen. If overdue for less than 60 days, they can be unfrozen as long as the arrears are paid off.

According to the Draft of Credit Management Regulations issued by the People's Bank of China, the longest time for keeping bad credit records such as overdue credit cards is 5 years, but the personal credit report will only show the credit card records in the last 24 months. It is recommended that credit card holders continue to use it normally for 2 years after it is overdue, so as to avoid the negative impact of bad records on future applications for credit cards or personal loans.