I paid the arrears and sent a message saying that I would come to the door to freeze the bank card.

1. After receiving the reminder message, if the money has not been borrowed, it may be that the user who borrowed before the mobile phone number is overdue, and the other party changed the mobile phone number, and the lending institution did not know it, so it can only continue to send reminder information to the original mobile phone number. If this is the case, I suggest you inform the collection staff in time, and don't send a message to yourself, so that the other party can check the identity information of the borrower. If the collectors continue to harass themselves, they can severely warn each other and stop harassing themselves, otherwise they will complain to each other. 2. If you do borrow money, you can't repay it for the time being, and you can't escape the repayment responsibility. Borrowers can try to negotiate with the collection staff to see if they can postpone repayment or repay in multiple installments. Lending institutions generally do not freeze borrowers' bank cards. The purpose of sending this collection message is to deter borrowers and let them repay as soon as possible. However, if the borrower fails to repay the loan for a long time, and the overdue amount is large, the lender will sue the borrower to the court, and the borrower still fails to repay the loan after the court enforces it, then the court will take certain restrictive measures against the borrower, such as freezing the bank card, real estate, deposits and other assets under the borrower's name, and putting them on the list of compulsory dishonesty. In short, in the case of "urging to send and receive text messages, saying that my bank card will be frozen", it should be handled according to the situation. In daily life, when borrowing money, you should plan your own funds to ensure that you have a certain repayment ability and don't borrow too much.