If there is no loan, such a text message is a fraudulent text message. If the online loan is not returned, it is the collector who scares you. The online lending platform has no right to freeze relatives' accounts. If it is a personal loan, it can only be frozen by the court after prosecution. The other party sued you. If the debt is still not fulfilled within the prescribed time limit, the other party may apply to the court for freezing the bank card.

If there is a loans overdue, the overdue record of this loan will be uploaded to the personal credit information system of the central bank, which will make the borrower have a bad record in the credit information system and leave a credit stain.