You can apply for a debit card at the bank counter. The overdue record caused by overdue credit card repayment affects the application of credit cards and loans, but does not affect the application of savings cards.

Debit cards that have already been applied for will not be affected and can be used normally, nor will they be frozen.

First of all, the bank needs to go through legal procedures. Only after the judgment is made, the bank has the right to freeze the bank account.

If the credit card payment is overdue, the bank can sue the court for repayment.

If the debt is still refused to be returned after the court's judgment, the court will freeze the deposits on any bank cards of the debtor in accordance with the law during the enforcement procedure.

If the person subject to execution fails to perform the obligations specified in the effective legal document and has any of the following circumstances, the people's court shall include him or her in the list of dishonest persons subject to execution and impose credit penalties on him or her in accordance with the law:

(1) Those who have the ability to perform but refuse to perform the obligations specified in effective legal documents;

(2) Those who hinder or resist execution by forging evidence, violence, threats, etc.;

(3) Using false litigation, false arbitration, or concealing or transferring property to avoid execution;

(4) Violating the property reporting system;

(5) Violating restrictions Consumption order;

(6) Refusing to perform the settlement agreement without justifiable reasons.

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The second is to implement other credit penalties, including restrictions on loans from financial institutions or credit cards;

The third is that those who are subject to enforcement for breach of trust are natural persons and are not allowed to serve as the legal representative, director, or supervisor of the enterprise. , senior managers, etc.

Purpose of the Regulation

The promulgation of this judicial interpretation aims to guide courts at all levels to correctly and effectively use credit punishment measures, establish a list of dishonest persons subject to execution, and urge dishonest persons subject to execution to perform their duties as soon as possible obligations and promote the construction of the social credit system.

Enforcement

1. Enforcement of the deposits of the person being applied for execution;

2. Enforcement of the income of the person being applied for execution;

3. Enforce the stocks and other properties of the person subject to execution;

4. Enforce the vehicles and other movable properties of the person subject to execution;

5. Enforce the obligations of the person subject to execution Collect accounts and other property;

6. Enforce the land, real estate and other real estate of the person subject to execution;

7. Force the person subject to execution to return specific property;

8. Double payment of debt interest and payment of delayed performance fees during the period of delayed performance;

9. Compulsory measures such as fines and detention;

10. Restrictions on entry and exit, etc.

Article 242 of the "Civil Procedure Law" If the person subject to execution fails to perform the obligations specified in the legal document in accordance with the execution notice, the people's court has the right to inquire the deposits, bonds, and stocks of the person subject to execution from the relevant units , fund shares and other property information.

The people's court has the power to seize, freeze, transfer, and change the value of the property of the person subject to execution according to different circumstances. The property inquired, seized, frozen, transferred, and valuated by the People's Court shall not exceed the scope of the obligations that the person subject to execution shall perform.