What should Hunan Rural Credit Cooperative do if it freezes?

Hunan Rural Credit Cooperative will apply to the bank for thawing if it is frozen. If it is thawed, it can be used normally.

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.