The credit card is frozen and can only be unfrozen if the debt is paid off. Details are as follows: 1. Pay off debts, and pay off all debts including interest as soon as possible. Call customer service to explain the situation. Call the credit card center to explain the situation and apply for opening. There should be no need to provide any materials. 3. Be careful not to return the card, never cancel the account, continue to use it for at least 2 years, and try to put an end to the above situation. If you can't repay all the money before the due date, you can only repay the minimum amount. According to the central bank's "Draft for Comment on Credit Management Regulations", 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 be valid 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. Credit cards not only record the current situation, but also record the repayment information in the last 24 months. If the account is closed and the information stops updating, it is impossible to replace the old negative information with new credible information.