1. repayment default: loans usually have clear repayment date and amount requirements. If you fail to repay on time or according to the agreed repayment amount, the bank has the right to take corresponding measures to protect its interests.
2. Contract terms: In the loan contract, the bank can stipulate that if the borrower fails to perform the debt, it can take measures such as freezing the bank card to protect the rights and interests of creditors.
3. Collection procedures: The bank will adopt a series of collection procedures to recover overdue loans. This may include reminding you of repayment by phone, SMS or other means, and taking measures such as freezing bank cards after a long overdue period.
Summary:
Loans overdue may cause the bank to freeze your bank card, but the specific situation needs to be determined according to the bank policy and loan contract. In order to avoid this situation, it is recommended that you repay on time or negotiate with the bank to make a flexible repayment plan.
Extended data:
In China, different banks may have different policies and procedures. Please consult specific banking institutions for accurate information. In addition, overdue repayment may have a negative impact on personal credit records, and may even be included in the credit information system, thus affecting future loan and credit card applications.