1. loan contract: online loans usually require a loan contract, which may contain relevant clauses that allow creditors to freeze the borrower's bank account if the loan is not repaid.
2. Legal basis: China's "Contract Law" stipulates that when the debtor fails to perform due debts, the creditor has the right to ask the debtor to provide guarantee and take measures to preserve the creditor's rights. According to the law, creditors can apply for freezing the borrower's bank account as a security measure.
3. Judicial procedure: Creditors can apply to the court for freezing the borrower's bank account through civil litigation to ensure the enforcement of creditor's rights. The court will consider the relevant evidence and the opinions of both parties during the trial and decide whether to freeze the bank account.
Summary:
If you fail to repay the online loan on time, the creditor has the right to apply for freezing your bank card and salary card. These freezing measures are to protect the interests of creditors and are implemented through legal procedures. It is suggested that you communicate with creditors in time to properly solve the repayment problem and avoid possible freezing risks.
Extended data:
In China, overdue online loans may cause a series of legal and financial problems. If you can't repay your debts on time, please consult with your creditors as soon as possible and seek legal and professional advice. In addition, rational planning of personal finance and prudent lending are also important measures to avoid similar problems.