Legal analysis: How long the credit card will be seized mainly depends on the debtor's repayment attitude. The communication between the bank and the debtor is invalid. After the bank files a lawsuit, the bank can apply to the court to seal up the property, but it cannot auction it.

Legal basis: Provisions of the Supreme People's Court City, People's Republic of China (PRC) on Attachment, Seizure and Freezing of Property in Civil Execution by People's Courts Article 2 The people's court may attach, seize and freeze all movable property of the person subjected to execution, real property registered in the name of the person subjected to execution, specific movable property and other property rights. Unregistered buildings and land use rights shall be determined according to the approval documents of land use rights and other relevant evidence. If the third party confirms in writing that the property belongs to the person subjected to execution, the people's court may seal up, detain or freeze the movable property possessed by the third party or the immovable property, specific movable property and other property rights registered in the name of the third party.