See what caused the credit card to be frozen or controlled. If the card is deemed to be cashed out by the card issuing bank, it will only affect the cardholder's card use record with the card issuing bank and will not be included in the credit record of the People's Bank of China. If a credit card is controlled due to overdue repayment, as long as the credit card is overdue, it will affect the cardholder's credit record. Bad credit is saved until the fifth year after the debt is paid off.