First, the court will freeze the original credit card, and you can continue to use it after the arrears are paid off. Call the bank customer service phone to apply for unfreezing the credit card. Half of the credit cards overdue for three months will be frozen, which will affect personal credit.

2. Reasons for freezing credit cards:

1. In general, banks freeze cardholders' credit cards for the following reasons: serious overdue credit cards, cashing in credit cards, stolen credit cards, etc. The credit card is seriously overdue, which leads to the freezing of the credit card, and the cardholder is frozen by the issuing bank because he fails to repay on time for a long time or the overdraft amount is large;

2. Cash-out of credit card leads to the freezing of credit card, which is illegal. After the issuance of credit cards, banks will supervise and record the credit card transactions, and the obvious credit card cashing behavior is easily recognized by the issuing bank. Once the issuing bank finds that there is a credit card cashing behavior, the bank will freeze the credit card. In serious cases, the cardholder should be investigated for criminal responsibility;

3. The credit card is frozen due to the stolen credit card. In order to prevent the loss of stolen credit card from further expanding, the general cardholder will ask the issuing bank to freeze the credit card. In some cases, the issuing bank will take the initiative to freeze the credit card for the cardholder.

3. Credit card unfreezing method:

1. If the credit card is frozen due to overdue credit card, the overdue amount should be returned as soon as possible. After paying off the credit card debt, the cardholder can call the credit card customer service center of the issuing bank to explain the situation.

2. Under normal circumstances, the bank will unfreeze it. After that, the cardholder must repay the loan on time in each installment, so as not to make it overdue, because the overdue credit card will be counted in the personal credit information system, and too many overdue times will affect the future loan application;

3. If the cardholder's credit card is frozen due to late repayment or multiple cash withdrawals, call the credit card customer service center to explain the situation and unfreeze it. If the overdue situation is not serious, as long as the credit card center confirms that the debt has been paid off, it will unfreeze the cardholder, and the credit card can be used after unfreezing.

4. as for the handling of personal bad credit records, according to the central bank's "draft for comments on the regulations on credit management", the longest retention period of bad credit records is 5 years, but only credit cards with 24-month records will be displayed in the personal credit report. It is recommended to keep the card active 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.

article 242nd of the civil procedure law, if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the property of the person subjected to execution such as deposits, bonds, stocks, fund shares, etc. from the relevant units.

the people's court has the right to seize, freeze, transfer or change the price of the property of the person subjected to execution according to different circumstances. The property inquired, seized, frozen, transferred or changed in price by the people's court shall not exceed the scope of the obligations that the person subjected to execution shall perform.

Extended information:

1. If the person subjected to execution fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include him in the list of people subjected to execution for dishonesty and impose credit punishment on him according to law:

(1) If he has the ability to perform, he refuses to perform the obligations specified in the effective legal document;

(2) obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) violating the property reporting system;

(5) violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons.

Second, the corresponding measures

The actions that can be taken against the person who has broken his promise:

First, some high-consumption behaviors are prohibited, including the prohibition of sleeping on the plane or train;

Second, implement other credit punishments, including restricting loans from financial institutions or handling credit cards;

Third, if the person subjected to breach of trust is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

III. Purpose of Provisions

The promulgation of this judicial interpretation aims to guide courts at all levels to correctly and effectively use credit disciplinary measures, establish a list of people who have been executed for dishonesty, and urge people who have been executed for dishonesty to fulfill their obligations as soon as possible and promote the construction of social credit system.

Baidu Encyclopedia-the person who has broken his promise.