Legal subjectivity:

In our lives, credit cards are issued to cardholders by banks or credit card companies based on the user’s creditworthiness and financial resources. Cardholders do not need to pay cash when using credit cards to make purchases. , and then make the repayment on the bill date. So can the court freeze a credit card? The editor has summarized the relevant knowledge for your reference. I hope it can help you. The main features of credit cards ① Credit cards are one of the fastest growing financial services today. They are an electronic currency that can replace traditional cash circulation to a certain extent; ② Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards; ③ Credit cards are high-tech products that integrate financial services and computer technology; ④ Credit cards can reduce the use of cash currency; ⑤ Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security; ⑥ Credit cards can simplify payment procedures and save social labor; ⑦ Credit cards can promote product sales and stimulate social demand. Credit card application process The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, financial status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. Can the court freeze credit? Credit card can be frozen by the court. There are several reasons why a credit card is frozen: 1. Suspected cash out leads to freezing. If you frequently use POS machines to make large purchases, or frequently withdraw large amounts of cash, etc., UnionPay will affect your credit. If suspicion arises, UnionPay will notify the bank that it is suspected of cashing out your account. The credit card will be blocked on the grounds of suspected cash withdrawal. 2. Multiple overdue repayments. If you repeatedly overdue repayments, the bank will consider that you have no ability to repay and freeze your credit card. At this time, if you repay the loan in full and call customer service to ask for an unfreeze, the credit limit may be reduced. However, if the number of overdue payments is not many, customer service will generally unfreeze the loan. 3. If the property is frozen or confiscated by the court due to various disputes, the credit card will also be frozen. Therefore, you should pay attention to your credit cards. In order to avoid being charged over-limit fees, some cardholders turn to their banks to apply for a temporary increase in their overdraft limit, usually for one month. Therefore, cardholders must clearly note the period of the temporary limit to avoid overdue credit card repayments. The above is the relevant information summarized for you. I hope it can help you. This website is committed to creating an excellent legal consultation platform. If you have any questions, please feel free to consult with a lawyer. Legal objectivity:

Article 242 of the Civil Procedure Law of the People's Republic of China Inquire about the deposits, bonds, stocks, fund shares and other property status of the person subject to execution. The People's Court has the power to seize, freeze, transfer, and change the value of the property of the person subject to execution based on different circumstances. The property inquired, seized, frozen, transferred, and valuated by the People's Court shall not exceed the scope of the obligations that the person subject to execution shall perform. When the people's court decides to seize, freeze, transfer or change property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.