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II. Specific analysis
After a credit card is overdue, all the bank cards in the cardholder's name will not be frozen. Usually, only the overdue credit card will be frozen, and then the card will be restored after the debt is paid off and the credit is maintained.
However, if the cardholder's overdue circumstances are very serious, for example, the bank refuses to pay back the arrears for a long time, and even the bank can't contact anyone, then in this case, the bank is likely to bring a lawsuit to the court. And once sued, if the court refuses to repay the money after the judgment, the court may include the cardholder in the list of people who have lost their trust.
As for the faithless person who fails to fulfill the repayment obligation, the court may enforce it, freeze the bank card under his name and transfer the funds he owns to the bank for repayment.
It is suggested to develop a good habit of timely repayment at ordinary times and try to avoid overdue behavior. Even if it is overdue, you should try to pay off the arrears as soon as possible, and don't delay it. Otherwise, the longer the overdue period, the more serious the adverse consequences will be.
As long as you find Xiaoqi Credit Check, you can find your own online loan big data report with one click, which will contain your credit rating score, whether there is a blacklist and other important data.
third, will the overdue online loan freeze all bank cards under its name?
although overdue online loans will bring bad effects, it is unlikely that all bank cards in the borrower's name will be frozen. Many online loans are not connected to the central bank's credit information system, so the overdue situation is only recorded in big data, which has nothing to do with credit information. There is no overdue record of online loans on the credit information, so it is unlikely to affect the bank card under its name.
Of course, some online loans are connected to the central bank's credit information system. These online lending platforms with credit information and financial licenses may bring a lawsuit to the court if the borrower's overdue debts are serious. At that time, the bank card under the borrower's name may be frozen.
However, regardless of whether the overdue online loan will freeze the bank card in the borrower's name, the borrower should try to avoid the overdue online loan. After all, the overdue online loan will affect the borrower's personal credit and even affect the borrower's subsequent credit business. Borrowers should usually form a good habit of paying back on time.