Rural commercial banks did not sue, so they should not. Banks have no right to freeze bank cards, but must be given the right by law.

If the loan cannot be repaid, consequences:

1. Failure to repay the bank loan is a civil dispute and will not be sentenced. If a bank brings a lawsuit to the court and the debtor fails to perform the court judgment after the court judgment, the bank may apply to the court for compulsory execution.

2. If the debtor has the ability to perform the judgment and refuses to execute it, if the circumstances are serious, it will constitute the crime of refusing to execute the judgment. If it is really difficult to perform, the court will also extend the performance time.