When I run out of money in my checking account, I survive on my Gap Visa card, which at this moment shines at an outstanding balance of $3,629.42. I can’t currently afford the $200 payment, so the card is frozen
I Don’t Feel Bad About My Latte
Allie Scully

Can I please request an explanation of these sentences? If you can’t afford the payment, does the interest keep accumulating? Is the card frozen in your freezer or blocked by the credit card company?