First, if you are a city resident and a rural hukou: This situation is not serious, because if you stop, it will stop. If you pay back the money, it will thaw. Second, if you are a national civil servant or other national cadres and workers, it is even more serious, because the credit card is linked to your salary, and at this time you can only deposit money, but you can't withdraw money from the card, which means you can still save your salary, and you can't use your credit card again until you pay it back, or you can pay it back in other ways.
Solution: Go to the credit union to handle the installment repayment agreement, which can be unfrozen. As for the registered letter sent by the post office, if it is sent by the court, it is a summons, and the others are just reminders.