The bank's disciplinary account may be due to the customer's failure to repay the bank loan or credit card overdraft on time, resulting in non-performing loans. Banks put customers on the disciplinary list through the court to limit high consumption. For disciplinary accounts, there are restrictions in daily life that you can't use bank cards to deposit and withdraw money from ATMs for five years, and you can't use mobile banking, online banking, POS card swiping, etc. , you can't use WeChat, Alipay to scan the code, transfer money, and send red envelopes, and because the credit history is affected, it will further affect individual recruitment, job hunting, and loan to buy a house.