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To unfreeze a credit card, you must first understand the reason for the freeze. There are two main reasons for a credit card to be frozen:

The first reason is that the cardholder has not repaid the credit card 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 has been frozen, late payment fees and interest still exist.

So it is best to pay off the debt as soon as possible. Because of the overdue freeze, the cardholder's credit report has been affected.

Do not cancel the card at this time. Canceling the card means that the bad record will always be there, and the bank will question your integrity, which will have a negative impact on your future application for other credit cards or loans. Unfreeze the card and maintain good and continuous consumption records for 24 months, so that it will not be affected when you apply for other credit cards, or apply for car loans or home loans in the future.

The second reason is that if the bank believes that the transaction of a credit card is abnormal, the bank will freeze the credit card out of consideration for the safety of the cardholder, which will cause the credit card to be frozen.