If the bank card is frozen, you need to contact the loan bank and repay it at the bank counter. Even if the bank card is frozen, it should be repaid on time according to the loan contract. If the repayment is not made on time, the bank can file a civil lawsuit. Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.