1. An overdue credit card will not freeze all bank cards in its name. Overdue credit cards will only freeze bank credit cards and savings cards. Bank cards of other banks have no right to freeze. If the payment is overdue for more than three months or more than two times, the bank will freeze the card and list the user as a prohibited customer, and will sue the cardholder and ask the court for compulsory repayment. If there is not enough repayment amount, the court will freeze the cardholder's assets.

2. Under normal circumstances, overdue credit cards will be frozen, and customers need to pay off their debts and maintain their credit before they can resume their credit cards. If the cardholder's overdue situation is very serious, such as long-term arrears, the bank has repeatedly ignored the collection, and even the bank can't contact this person, the bank is likely to bring a lawsuit to the court. Once sued, the court refuses to repay the loan after the judgment, and the court may include the cardholder in the list of people who have lost their trust.

Once the cardholder is sued by a credit card, the consequences will be aggravated. So the cardholder must repay the credit card on time. If the repayment amount is not enough, he can negotiate with the credit card bank to solve the repayment problem through negotiation. Will never be prosecuted. If a dishonest person fails to fulfill his repayment obligations, the court can enforce and freeze his bank card and transfer his funds to the bank for repayment.