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1. Your other personal bank cards will not be frozen when the credit card expires, because your other bank card deposits belong to your private property, and you have the ownership and use right, and no other person or organization may infringe upon them.

2. If the bank brings a lawsuit to the court for your overdue behavior, after the court accepts it, it can apply to the court to freeze your bank account, and other banks should cooperate unconditionally.

3, 60 days overdue included in personal credit; Overdue for 90 days, included in the personal credit bad information; If it is overdue for more than 90 days, the bank will no longer collect the arrears and will bring a lawsuit to the court; After the award, enforce the collateral to pay off the debts agreed in the contract; The Lender shall bear all litigation costs.

Consequences of late payment:

1. If it is overdue, there will be not only a late payment fee of 5% of the minimum unpaid part, but also a full penalty interest on the bill (five ten thousandths of the day of consumption, and interest will be recovered on a monthly basis until the principal and interest are paid off), and there will be a bad credit record in the Credit Information Center of the People's Bank of China, making it difficult to apply for credit cards and bank loans within five years;

2. If it is overdue for more than three months or the bank urges you for more than two times, the bank will freeze your card, list you as a prohibited customer (blacklist), and will also sue you for credit card fraud and malicious overdraft, which will be enforced by the court. If you refuse to repay the loan after prosecution, and the amount owed exceeds 1 000, the court will impose a sentence on the crime of credit card fraud according to Article 196 of the Criminal Law!

Will all the accounts in your name be frozen after the deadline?

Legal analysis: 1, will not be frozen. 2. The bank card will not be frozen if it is overdue. Usually, after being sued for serious overdue, if the repayment obligation is not fulfilled and enforced by the court, the bank card will be frozen. The cash from the compulsory execution of assets will go to the person subjected to execution to repay the debt, leaving only a little living expenses for the person subjected to execution. 3. If there are no executable assets, even if the bank card is frozen, it can't pay off the debt. You can interrupt the enforcement and then continue the execution until the repayment can be made.

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

Article 101 Property preservation before litigation. If an interested party fails to apply for preservation immediately due to an emergency, which will cause irreparable damage to his legitimate rights and interests, he may apply to the people's court where the preserved property is located, where the respondent has his domicile or has jurisdiction to take preservation measures before bringing a lawsuit or applying for arbitration. The applicant shall provide a guarantee. If no guarantee is provided, the application will be rejected. After accepting the application, the people's court must make a ruling to take protective measures within 48 hours and immediately begin to implement them. If the applicant fails to bring a lawsuit or apply for arbitration according to law within 30 days after the people's court takes the preservation measures, the people's court shall lift the preservation.

Article 102 Scope of preservation. Preservation is limited to the scope of the request or the property related to this case.

Article 103 methods of preservation. 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.

Will the court freeze all bank cards if the money is not returned?

If the borrower fails to repay the money owed to the bank, and the bank has brought a lawsuit to the court, obtained an effective judgment and applied for compulsory execution, then in the execution stage, the court will investigate and control the property of the person subjected to execution, such as real estate, vehicles, stocks, bank deposits, etc. So generally speaking, the bank card under the name of the person being executed will be frozen by the court.

However, even if all the bank cards under the name of the executed person are frozen by the court, it will not have a substantial impact on the life of the executed person. Because from the court's execution practice, the bank account frozen by the executed person in the execution stage usually has no balance. Therefore, freezing the bank card of the person subjected to execution will not cause the property of the person subjected to execution to be frozen.

In addition, if the person subjected to execution has a proper job and a stable salary income, then the court also has the right to enforce the salary income of the person subjected to execution. Usually, the court will freeze the salary card of the executed person and execute the money in the salary card of the executed person.

But it doesn't mean that the salary of the person to be executed will be executed by the court every month. For the monthly salary income of the person subjected to execution, the court shall reserve the minimum expenses necessary to maintain the basic survival of the family for the person subjected to execution.

The court has the right to enforce the part of the salary that exceeds the expenses necessary for the debtor to maintain the basic survival of the family, and use it to pay off the loan owed by the borrower to the bank.

Even so, it does not mean that the borrower can escape the court's enforcement in this way. The correct way for borrowers should be to actively make money and raise money, and also pay off the loan balance owed to the bank. As the saying goes, it is only natural to pay back debts.

Only in this way, the borrower can remove himself from the blacklist of the person who has broken his promise as soon as possible, so that the life of himself and his family can be restored to the normal state before.

I am an old driver of Zhiyuan Street Law. Welcome to follow me and learn more about life rules with me!

Will overdue credit cards freeze all bank cards in your name?

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After the credit card expires, all bank cards under the cardholder's name will not be frozen. Usually just freeze overdue credit cards, and then customers need to pay off their debts and maintain their credit before they can resume using them.

However, if the cardholder's overdue situation is very serious, such as long-term arrears, the bank ignores repeated collection, and even the bank can't contact anyone, then in this case, the bank is likely to bring a lawsuit to the court. Moreover, once a lawsuit is filed, if the court refuses to repay the loan after the judgment, the court may include the cardholder in the list of untrustworthy people.

For those who fail to fulfill the repayment obligation, the court may enforce it, freeze the bank card under their name and transfer the funds they have to the bank for repayment.

Customers are advised to develop a good habit of paying back on time and try to avoid overdue behavior. Even if it is overdue, we should find ways to pay off the arrears as soon as possible, and don't delay. Otherwise, the longer the overdue period, the more serious the adverse consequences.

If you are not clear about your debt and online loan data, you can get an online loan big data report from Ding Yi Kuai, which contains detailed online loan application records, overdue details, blacklists and other data.

Extended data:

Will overdue online lending freeze all bank cards under its name?

Although overdue online loans will bring bad effects, it is unlikely to freeze all bank cards under the borrower's name. Many online loans are not connected to the central bank's credit information system, so the overdue situation is only recorded in big data and has nothing to do with credit information. There is no overdue record of online loans on the credit information, which is unlikely to affect the bank card under its name.

Of course, there are also some online loans that are connected to the central bank's credit information system. These online lending platforms with credit information and financial licenses may bring a lawsuit to the court if the borrower's overdue debt is serious. The bank card under the borrower's name may be frozen at that time.

However, regardless of whether the overdue online loan will freeze the bank card under the borrower's name, the borrower should try to avoid overdue online loans. After all, overdue online loans will affect the borrower's personal credit and even affect the borrower's subsequent credit business. Borrowers should develop the good habit of paying back on time.