Usually, credit cards are frozen for three main reasons. As for the handling of personal bad credit records, according to the draft of the central bank's credit management regulations, the longest retention time of bad credit records is 5 years, but personal credit reports will only show credit card records for 24 months. It is recommended that the card be valid for at least 2 years after activation, so as to avoid the negative impact of bad credit records on future applications for credit cards or personal loans.