As long as the debt is paid off, it is generally only necessary to 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 you have paid off the debt, it will unfreeze it for you immediately, and your credit card can be used after unfreezing.

Consequences of overdue construction bank:

First, short message collection. Mainly for the cardholder's early and overdue repayment behavior, usually 7 to 15 days overdue. SMS mainly plays the role of reminder.

Second, telephone collection. Call to remind repayment mainly for overdue behaviors that are more than 30 days and more than one billing cycle.

Third, door-to-door collection. Mainly overdue for more than 90 days, the bank will arrange the collection staff to collect the repayment at the cardholder's residence or work address.

Fourth, the court sued. Mainly more than half a year overdue, the bank will apply to the court to sue the cardholder for repayment.

Fifth, outsourcing collection. Mainly for overdue 1 year or more, the bank packages and discounts overdue funds to the outsourcing collection company, which is responsible for overdue debt collection.

With regard to the handling of personal bad credit records, according to the Draft of Credit Information Management Regulations of the Central Bank, the longest retention period of bad credit records is 5 years, but only credit cards and 24-month records will be displayed in personal credit reports. It is recommended that the card remain active for at least 2 years after activation, so as to avoid the negative impact of bad credit records on the application for credit cards or personal loans in the future.