Legal analysis: freeze the old bank card, issue a new card, and the new card is not frozen (the new card has nothing to do with the old bank card). Freeze the old card (report the loss and reissue it): 1. Report the loss by telephone: call China UnionPay customer service hotline 955 16 or the customer service telephone of the card bank to report the loss by telephone (change the card or cancel the account after seven days as required); 2. Reissue the loss in writing: bring the owner's ID card to the bank where the account is opened, and fill in the loss report form to report the loss in writing (loss report fee 10 yuan, you can directly apply for a new card without using the original card number); 3. Reissue the card: One week (working day) after reporting the loss, the householder will bring his ID card to the bank, get the card with the receipt, and get the money in the card (5 yuan will reissue the card). If the new card is successful, the money in the old card can be transferred to the new card.

Legal basis: Article 71 of the General Principles of Loans: In any of the following circumstances, the lender will charge interest on part or all of its loans; If the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance: the loan is not used for the purpose agreed in the loan contract. Use loans for equity investment. Use loans to engage in securities and futures speculation.