Legal Subjectivity:

If you have not paid back your credit card debt for a long time, the bank has initiated a lawsuit. The procuratorate will investigate your assets, and your salary card should be among those investigated. If the court decides to use your assets to repay the bank debt, the money on your salary card will be frozen. Generally, banks freeze cardholders' credit cards due to the following reasons: serious credit card overdue situations, credit card cashouts, credit card fraud, etc.; serious credit card overdue situations lead to credit card freezes, and card holders are overdue due to failure to repay on time. If the overdraft lasts for a long time or the amount of overdraft is large, it will be frozen by the card-issuing bank; cashing out the credit card will cause the credit card to be frozen, and it is illegal to cash out the credit card. After the credit card is issued, the bank will supervise and record the credit card transactions. Obvious credit card arbitrage behavior can be easily identified by the card-issuing bank. Once the card-issuing bank discovers that there is credit card arbitrage, the bank will freeze the credit card. In serious cases, the cardholder will be held criminally liable; credit card fraud leads to the credit card being frozen. After a credit card is stolen, in order to prevent further losses from the fraud, generally the cardholder will ask the card-issuing bank to freeze the credit card. In some cases, the card-issuing bank will Proactively freeze credit cards for cardholders. Legal objectivity:

Article 676 of the "People's Republic of China and Civil Code" If the borrower fails to return the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations. Article 678 of the "People's Republic of China and Civil Code" The borrower may apply to the lender for an extension before the expiration of the repayment period; if the lender agrees, the extension can be made. Article 667 of the "People's Republic of China and Civil Code" A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.