Detailed description:

1. The bank will freeze the credit card after the customer's overdue repayment to ensure that the debt is paid off.

2. Once the customer has repaid the overdue payment and the account shows that it has been settled, the bank will generally unfreeze the credit card.

3. After thawing, customers can continue to use credit cards for consumption and payment.

4. The bank may decide whether to unfreeze the credit line according to the customer's repayment record and credit status, and sometimes it may request a new application and approval.

5. Repayment must be timely and normal, so as not to be overdue again and the credit card will be frozen again.

Summary: Credit cards are overdue for 4 months and can generally be unfrozen after being paid off. However, individual cases may require re-application and approval, depending on the customer's repayment record and credit status.

Extended data:

According to the Interim Measures for the Management of Basic Database of Personal Credit Information issued by CBRC, freezing overdue credit cards is one of the common practices of banks. However, this method does not clearly stipulate the thawing process and conditions after overdue repayment. Therefore, the specific unfreezing policy may vary from bank to bank, and customers should contact the issuing bank for accurate information.