The credit card has been frozen and installment repayment is not negotiable. If a credit card is frozen, it means that most of its functions are temporarily disabled. The cardholder can only use this credit card to repay, and cannot swipe the card or apply for installments. Cardholders need to consult the bank about the specific reasons for the freeze and then apply for unfreezing. After the credit card is unfrozen, the cardholder needs to repay each installment on time, otherwise the repayment will be overdue and personal credit report will be affected. Credit cards are locked after they expire. "You can unblock it. To pay off the debt after the credit card is overdue, you can apply for unlocking with the understanding of the card-issuing bank. If you refuse to answer collection calls, disappear or have a bad attitude during the overdue period of the credit card, you may not be able to pay off the debt on the card even if you pay off the debt. Apply for unlocking because it leaves a bad impression on the bank.