First of all, the loan will not freeze the account. Secondly, if there is no transaction for more than 6 months, it will become a sleep account, which means that it must pass 50% capital verification in the end.

If there is no money in the bank card, it will be frozen. Most banks will stipulate that if the cardholder has not initiated financial transactions for more than 65,438+02 months, and the deposit balance is less than 65,438+00 yuan, the bank card will become a sleep card. Pay attention to it in daily use. Take building behavior as an example. If there is no transaction record within 6 months from the date of opening an account or taking effect, CCB will suspend the counter business of the account. Generally speaking, if the bank card is not used for a long time and there is no need to use it, it is recommended to cancel the bank card.