Credit cards (debit cards) can apply for loans after thawing. Credit card (debit card) is frozen. If it is overdue, the credit card (debit card) will be unfrozen after the debt is paid off, and the overdue record will be kept in the credit investigation. At this time, when applying for a loan, the bank will find that the user's credit information has overdue records. As long as the credit information is not overdue for three consecutive times or accumulated for six times, there is a chance to pass the loan review.

Because credit cards (debit cards) will have a grace period for repayment, if there is no repayment on the repayment date, repayment within the grace period can also be remedied.