How to unfreeze a frozen card?

That depends on the specific reason why your card is frozen. If the credit card has been overdue or overdue before, pay off the money first and then call the customer service hotline to see if it can be used again. Credit cards are just for the convenience of our lives. When using, we must pay attention to timely repayment and regular operation, otherwise some illegal operations involve credit problems and post-processing will be more troublesome.

The cardholder's credit card is frozen due to overdue repayment or repeated cash withdrawal. Usually you just need to 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 you have paid off the debt, it will unfreeze it for you immediately. After thawing, your credit card can be used.

With regard to the handling of personal bad credit records, according to the Draft of Credit Information Management Regulations of the Central Bank, the longest retention period of bad credit records is 5 years, but only credit cards and 24-month records will be displayed in personal credit reports. It is recommended that the card remain active for at least 2 years after activation, so as to avoid the negative impact of bad credit records on the application for credit cards or personal loans in the future.

Maintenance method:

First of all, when the lender or credit card holder changes important information, it is necessary to update the bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change, go to the bank to modify the address and mobile phone number, you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.

If the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time and choose to return the minimum repayment amount or handle the installment repayment.

Some people think that as long as credit cards are eliminated, personal bad records can be eliminated. In fact, the credit record is accompanied by the personal identity information of the cardholder, and simply canceling the card cannot eliminate the bad record. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is five years, and it will be deleted after five years.

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit limit, and there is also a buffer period to let the bank know the flow of funds in your account in time and will not be frozen.

When the cardholder chooses the minimum repayment method or uses the card that exceeds the credit limit approved by the issuing bank, the overdraft interest shall be calculated and paid at the prescribed interest rate for the unpaid part from the bank bookkeeping date.