The reason why the MYbank loan payment bank card cannot be used is that it is overdue or frozen. Unfreezing method: Contact MYbank customer service to apply for unfreezing. MYbank's full name is MYbank MYDB, which is an operating loan launched by MYbank for small and micro business owners and individual entrepreneurs. Online Shangdai is the predecessor of Ant Micro Loan and Alibaba’s small loans. MYbank is China's first commercial bank with a core system based on cloud computing architecture, initiated and established by Ant Group as a major shareholder, and Ant Group is the parent company of mobile payment platform Alipay.