Money owed to a credit card will not directly freeze the bank card in its name. However, if you default on credit card repayment, the credit card issuing bank has the right to take some measures to recover the arrears. A common measure is to report your overdue information to a personal credit bureau, which may have a negative impact on your credit record, thus affecting future loans and credit applications.

I suggest you pay off your credit card debts in time to avoid overdue debts. At the same time, I suggest you get rid of the bad habit of applying for a loan and cover up your dishonesty with a new good record of the use of funds. You can know your current credit status by using tools such as "Quick Check" and take appropriate measures to manage your financial status.