It will not be blocked until it expires. As long as the loan is not overdue, there will be no impact. However, if it is overdue, the loan can apply to the court for enforcement. The court can include the person in the list of dishonest persons subject to enforcement, restrict high consumption, and cannot apply for any credit business. Your credit card will be blocked. "Jiebei", now known as credit loan, is a loan service launched by Alipay. According to different Zhima scores, users can apply for different loan amounts.