Legal analysis: All bank cards will not be frozen until the bank loan is paid off. Only the court can freeze an account in an individual's name during the enforcement stage. However, banks that can't repay bank loans can file a lawsuit against their arrears and ask them to repay their loans. Those who refuse to pay may apply to the court for compulsory execution. If it is overdue for a long time, the bank will feel hopeless in repayment. If the court files a lawsuit or reports the case to the public security department, the bank will collect the credit report for verification. If there is a record of non-repayment, it is not only a repayment problem, but also the possibility of imprisonment. Banks generally don't accept applications.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 103 Property preservation shall be sealed up, detained, frozen or other methods prescribed by law. After the people's court has preserved the property, it shall immediately notify the person whose property has been preserved. Property that has been sealed up or frozen shall not be sealed up or frozen again.

Article 114 If a unit obligated to assist in the investigation and execution commits any of the following acts, the people's court shall order it to perform its obligation of assistance and may also impose a fine:

(a) the relevant units refused or hindered the people's court to investigate and collect evidence;

(two) after receiving the notice of the people's court for assistance in execution, the relevant units refused to assist in inquiring, sealing up, freezing, transferring or changing the property;

(3) After receiving the notice from the people's court for assistance in execution, the relevant unit refuses to assist in detaining the income of the person subjected to execution, handling the transfer procedures of relevant property rights certificates, and handing over relevant tickets or other property;

(four) other refused to assist in the implementation.