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. \x0d\ Reason for freezing credit card: \x0d\ 1. 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. \x0d\2。 If the bank thinks that the credit card transaction is abnormal, the bank will freeze the credit card for the safety of the cardholder, which will lead to the freezing of the credit card. \x0d\ Credit card unfreezing method: \x0d\ 1. If the cardholder's credit card is frozen due to overdue repayment or repeated cashing, 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 the arrears have been paid off, the cardholder will be unfrozen, and the credit card can be used after unfreezing. \x0d\2。 Regarding the handling of personal bad credit records, according to the draft of the central bank's credit management regulations, the longest retention period of bad credit records is 5 years, but only credit cards with 24-month records will be displayed in the personal credit report. It is recommended to keep the card valid 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. \x0d\ Legal basis: \x0d\ Civil Procedure Law \x0d\ Article 242 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 property 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.