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.

The development of credit cards:

1, the earliest credit card appeared at the end of 19. From 65438 to 1980s, the so-called credit card was developed in British clothing industry, followed by tourism and business departments. However, at that time, the card could only be used for short-term commercial credit, and the money had to be paid back as needed. There was no long-term default and no credit line.

2. Credit cards are generally plastic cards with special carriers, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, expiration date, number and cardholder's name are printed on the front, and chips, magnetic strips and signature strips are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to set up the Diners Club, the predecessor of Diners Credit Card Company, in new york. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.