According to Sina's query. Com, freezing WeChat Alipay and bank cards is a violation of users' property rights. Without legal basis, financial institutions have no right to do so. Jiufu Wanka is an intelligent credit account product launched by Jiufu Digital Group, which is similar to personal virtual credit card. Users get a certain credit line through real-name authentication and risk assessment, enjoy credit line installment, mall shopping installment, credit card management and other services, and link all users and scenes of Jiufu.