Legal analysis: If you apply for a loan on Gitzo and don't pay it back, if the overdue time is too long and the amount of debt is large, and Gitzo has not responded to many reminders, or even can't contact anyone, then Gitzo is likely to sue the customer. Once the customer is sued, the customer refuses to repay the loan after the court's decision, and it is likely to be included in the list of untrustworthy people by the court. At that time, the court may freeze the bank card in the customer's name and deduct funds from it for repayment. In addition, the court can mortgage and auction the customer's assets, and then use the proceeds to pay off the arrears. Of course, the Gitzo platform itself has no right to freeze bank cards under customers' names.

Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. Whoever defrauds a bank or other financial institution of loans for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.