It's no use repaying the loan. The funds were loaned to the bank card, but the user did not withdraw cash from the bank card. Since the lending institution has successfully lent money, subsequent users need to repay according to the loan contract. However, the loan fund is a wallet loaned to the loan account, and the user does not withdraw it. If the funds can be freely withdrawn, the loan is successful and the user needs to repay. After the loan funds are released, they are directly frozen into the loan account. In this case, there is no need to repay.