Can I still get a loan if my credit card is frozen?
If the credit card is frozen due to overdue, even if it is seriously overdue, it cannot be loaned, and every application will be directly rejected. If you want to apply for a loan successfully, you need to pay off the arrears for two years on time before you can apply for a loan. If it is simply frozen and there is no overdue record, the impact on the loan will be relatively small. If it is because the cardholder uses the card illegally or repays the loan backwards, the loan is risky and may be refused. If it is executed by a state organ, when the cardholder applies for a loan, the auditor will see the execution record on the applicant's credit report, and the loan will not pass at all.
How to resume the credit card freeze?
If the credit card is frozen due to overdue, the user will pay off the overdue debt as soon as possible, and then take the initiative to apply for unfreezing. The bank will use the card record according to the user's history to decide the thawing time. The user was frozen for being suspected of cashing out. At this time, it is necessary to submit relevant certification materials to the bank for review. As long as it is proved that he has not cashed out, the bank will release the frozen status of the credit card as soon as possible.
Generally speaking, whether a credit card can be frozen depends on the reason why the bank card is frozen. If the plaintiff applies for property preservation and the bank deposit is frozen, he may make a settlement with the plaintiff or provide an equal amount of guarantee to the court to lift the preservation. Only when it is preserved by property will it not affect personal credit. If the case is lost, the judgment will take effect, and if the judgment obligation is not fulfilled, the bank card will be frozen during enforcement. All enforcement cases can be publicly inquired, which has an impact on the later credit loans.