All bank cards will not be frozen until the bank loan is paid off. Only in the enforcement stage can accounts in personal names be frozen. However, banks that can't repay bank loans can file a lawsuit against their arrears and ask them to repay their loans. Those who refuse to pay may apply for compulsory execution.

According to Article 103 of the Civil Procedure Law of People's Republic of China (PRC), property preservation adopts sealing-up, seizure, freezing or other methods prescribed by law. After the person subjected to execution has preserved the property, he shall immediately notify the person whose property has been preserved. Property that has been sealed up or frozen shall not be sealed up or frozen again.

Article 114 If a unit obligated to assist in the investigation and execution commits any of the following acts, the people's court shall order it to perform its obligation of assistance and may also impose a fine:

(a) the relevant units refused or hindered the people's investigation and evidence collection;

(two) after receiving the notice of people's assistance in execution, the relevant units refused to assist in inquiring, sealing up, freezing, transferring or changing the property;

(3) After receiving the notice of people's assistance in execution, the relevant unit refuses to assist in detaining the income of the person subjected to execution, handling the transfer procedures of relevant property rights certificates, and handing over relevant tickets, certificates or other property;

(four) other refused to assist in the implementation.

The people may impose a fine on a unit that commits one of the acts listed in the preceding paragraph; Those who still fail to perform the obligation of assistance may be detained; And may put forward judicial suggestions for disciplinary action to the supervisory organ or the relevant authorities.

Extended data:

According to the general principles of loans:

Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:

1. Failing to use the loan for the purpose specified in the loan contract.

Second, the use of loans for equity investment.

Third, engage in speculative business with loans in securities and futures.

Four, the borrower who has not obtained the qualification of real estate business according to law uses the loan to operate the real estate business; Borrowers who are legally qualified to operate real estate engage in real estate speculation with loans.

Five, not according to the provisions of the loan contract to pay off the loan principal and interest.

6. Borrowing money from each other to obtain illegal income.

Article 72 In any of the following circumstances, the lender shall order the borrower to make corrections. If the circumstances are particularly serious or are not corrected within the time limit, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:

1. Provide information such as balance sheet and income statement to the lender. Falsely reporting or concealing important facts;

2. Failure to provide the lender with all information such as bank, account number, deposit and loan balance;

3. Refuse to accept the lender's supervision over the use of its credit funds and related production, operation and financial activities.

Seventy-third administrative departments, enterprises and institutions, joint-stock cooperative economic organizations, supply and marketing cooperatives, rural cooperative foundations and other foundations grant loans without authorization; Enterprises that borrow without authorization or in disguised form shall be fined 1 times but less than 5 times according to the illegal income by the People's Bank of China, and shall be banned.

Article 74 If a party refuses to accept the punishment decision of the People's Bank of China, it may apply for reconsideration according to the Administrative Reconsideration Measures of the People's Bank of China (Trial), and the original punishment shall be implemented during the reconsideration.