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Will Lao Lai's credit card be frozen?
1. Will Lao Lai's credit card be frozen?

1. Lao Lai's bank card may not be frozen. Details are as follows:

(1) Money owed to financial institutions or individuals will be frozen. The court can directly draw all the cash in all bank cards entered in my name and pay it to creditors or other institutions;

(2) For credit reasons, the bank card will not be frozen if it is included in the list of untrustworthy people. But it has a great impact.

2. Legal basis: Article 2 of Several Provisions of the Supreme People's Court on Restricting the High Consumption of the Executed.

When the people's court decides to take measures to restrict consumption, it shall consider whether the person subjected to execution has performed passively, evaded execution or resisted execution, and the ability of the person subjected to execution to perform.

essay

If the person subjected to execution is a natural person, after taking measures to restrict consumption, he shall not have the following high-consumption and non-essential consumption behaviors for life and work:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.

If the person subjected to execution is a unit, the person subjected to execution, its legal representative, principal responsible person, person directly responsible for debt performance and actual controller shall not carry out the acts specified in the preceding paragraph after taking measures to restrict consumption. Anyone who uses personal property for private consumption to commit the acts mentioned in the preceding paragraph may apply to the enforcement court for enforcement. If the examination by the enforcement court is true, it shall be allowed.

Second, how to resume credit reporting when the credit card is overdue?

1, apply to the judicial organ for credit recovery;

2. Apply to the credit reporting agency for cancellation of overdue records and adjustment of credit information;

3. Pay off the debt after the credit card is slightly overdue, and continue to use the credit card can effectively restore credit.