Legal analysis: It is better to pay off as soon as possible. If there is any problem with repayment, please contact the customer service of the corresponding platform as soon as possible to explain the situation. In general, there will be a solution. If it is overdue, it will lead to a credit record, which is not good. Bank cards are generally impossible to be frozen. The refusal will be frozen unless it is collected by the court.

Legal basis: Article 188 of the Civil Law of People's Republic of China (PRC) requests the people's court to protect civil rights, and the limitation of action is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.