After the credit card is frozen, the user can repay the loan normally. Even if it is frozen, users must repay on time, otherwise the bank will think it is overdue. If the freezing is caused by overdue, the user must pay off the overdue debt before releasing the freezing status.

In addition, after the credit card is frozen and the user pays off the overdue debts, the recovery time of the credit card is uncertain. The sooner overdue debts are paid off, the greater the possibility of early recovery of credit cards.