1. If the cardholder fails to pay off the credit card debt, pay off the money in time, call the bank customer service and truthfully explain the situation. There is no reason for banks to freeze credit cards, which are usually unfrozen.
2. If the customer service of the bank asks the cardholder to hand over the credit card, the cardholder fails to save the credit card during the credit card swiping. You can tell the customer service truthfully, apply for a waiver, and then you can swipe your card normally and repay on time.
If the customer service says that it cannot be unfrozen, ask the cardholder to return the card. Remember, never return the card!
3. After the card is cancelled, the cardholder will keep a record of overdue repayment until it is eliminated after 5 years. After the cardholder pays off the money, he can save money and swipe his card. After 3 to 6 months, he can apply to the bank for thawing. It is possible that the bank will automatically unfreeze you during this period.
Extended data:
Bank of Communications credit card freeze reason:
1. The credit card is overdue seriously. Credit card holders are frozen by the issuing bank because of long-term failure to repay on time or large overdraft amount.
2. Credit card cashing. It is illegal to cash a credit card. After issuing credit cards, banks will supervise and record credit card transactions. If it is recognized by the bank, it will be frozen, and in serious cases, the cardholder will be investigated for criminal responsibility.
3. Credit card theft. In order to prevent the loss of stolen credit cards from further expanding, cardholders will generally ask banks to freeze their credit cards. The reason for this freeze is generally that the cardholder personally applies to the bank.
After the credit card of Bank of Communications is frozen, the cardholder needs to contact the bank for unfreezing. If there is any overdue situation, he needs to pay off the arrears first and explain the situation to the bank.
Baidu Encyclopedia-Bank of Communications Credit Card