Legal analysis: after the online loan is frozen, this can only be unfrozen by the online lending institution itself. If you receive a text message saying that the CBRC helps unfreeze online loans, but you have to charge a handling fee, this is online loan fraud. The CBRC can only unfreeze online loans, and users must pay attention to it after receiving such fraudulent text messages to ensure the safety of their own funds. In addition, you can also report or complain directly after receiving this online loan fraud message, keep relevant evidence and report directly to the relevant departments.

Legal basis: "China Bank Card Industry Self-discipline Convention" requires member units to provide cardholders with "time-tolerant service" and provide cardholders with a certain period of repayment grace period, which is at least 3 days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time. Second, member companies are required to provide "tolerance service" for cardholders. If the cardholder fails to repay in full in the current period, and the unpaid part in the account after the due repayment date is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), it is deemed that the cardholder has repaid in full, and the unpaid amount will be automatically transferred to the next bill. Repayment one day after the repayment date is a normal repayment, which will not affect personal credit information and will not impose penalty interest.