Legal analysis: If the credit card is overdue, all the bank cards under its name will not be frozen. If the credit card is overdue, simply freeze the credit card and savings card of this bank. No right to freeze the bank cards of other banks. If the payment is overdue for more than three months or the bank reminds you twice, the bank will freeze the card, list the user as a prohibited customer, and will also sue the cardholder and ask the court to force repayment. If there is not enough repayment amount, the court will freeze the cardholder's assets.

Legal basis: Article 224 of the Civil Procedure Law of People's Republic of China (PRC), legally effective civil judgments and rulings, as well as the property part of criminal judgments and rulings, shall be executed by the people's court of first instance or the people's court of the place where the property is executed at the same level as the people's court of first instance. Other legal documents stipulated by law to be executed by the people's court shall be executed by the people's court in the place where the person subjected to execution has his domicile or where the property subjected to execution is located.