No, the freezing of bank cards will not directly affect personal credit information. Because the reason for freezing is usually related to the security and compliance of bank cards, rather than directly linked to personal credit records. There are various reasons for freezing bank cards, including incorrect password input, lost or stolen bank cards, expired bank cards and abnormal account transactions. In order to ensure the security of cardholders' funds and comply with relevant laws and regulations, banks will take freezing measures. This freezing behavior itself will not actively report to the credit reporting agency, so it will not have a negative impact on personal credit reporting.