Legal analysis: one party's default on the bank loan is a breach of contract, and it should bear the civil liability for repayment of the loan and the corresponding liability for breach of contract according to the loan contract. If you are sued by the court, you will have to bear the court costs and cause unnecessary economic losses to the parties. You should try to negotiate with the bank for repayment. Moreover, if it belongs to credit card arrears, according to the regulations, if the arrears exceed 10,000 yuan, and the issuing bank has repeatedly urged it, it will constitute the crime of credit card fraud. If the issuing bank reports the case, it will be investigated for criminal responsibility.

Legal basis: Several Provisions of the Supreme People's Court on the People's Court's Seal-up, Seizure and Freeze of Civil Execution Property.

Article 21 The property of the person subjected to execution shall be sealed up, detained or frozen to the extent that it is sufficient to pay off the amount of creditor's rights and execution expenses determined in legal documents. If the amount obviously exceeds the standard, it shall not be sealed up, detained or frozen. If it is found that the amount exceeding the target amount has been sealed up, seized or frozen, the people's court shall, upon the application of the person subjected to execution or ex officio, promptly lift the sealing up, seizure and freezing of part of the property exceeding the target amount, except that the property is inseparable and the person subjected to execution has no other property available for execution or other property is insufficient to pay off debts.

Article 33 If a financial institution unfreezes the funds frozen by the people's court without authorization and the frozen funds are transferred, the people's court has the right to order it to recover the transferred funds within a time limit. If it is not recovered within the time limit, it shall be ruled that the financial institution shall bear the compulsory execution responsibility to the applicant with its own property within the scope of the transferred funds.

Article 37 If the relevant unit pays the income of the person subjected to execution to the person subjected to execution or other people without authorization after receiving the notice of assistance from the people's court, the people's court has the right to order him to recover it within a time limit; If it fails to recover within the time limit, it shall be ruled that it shall be responsible for the application executor within the amount paid.

Article 487 of the Supreme People's Court's Interpretation on the Application of the Civil Procedure Law of People's Republic of China (PRC) stipulates that the time limit for the people's court to freeze the bank deposits of the person subjected to execution shall not exceed one year, the time limit for sealing up or distraining movable property shall not exceed two years, and the time limit for sealing up immovable property and freezing other property rights shall not exceed three years. Where the person subjected to execution applies for an extension of the time limit, the people's court shall go through the formalities of continuing the seizure, seizure and freezing before the expiration of the time limit, and the extension period shall not exceed the time limit specified in the preceding paragraph. The people's court may also handle the formalities of continued sealing up, seizure and freezing ex officio.