if a credit card is frozen beyond the time limit, it can be unfrozen, and you need to pay off the arrears in time. When you find that your credit card is frozen beyond the time limit, you must deal with it in time. First, you must pay off all the arrears in the card quickly, and then call the issuing bank to ask for unfreezing the credit card. If the overdue situation is not serious, as long as the credit card center confirms that there is no arrears, it will go through the unfreezing procedures.

if the credit card is frozen beyond the time limit, it can't be used even if it is paid off.