Is it true that Tencent will freeze my payment function when I send messages in installments?

Fake. Freezing won't remind you, but everyone who reminds you is a liar. This is probably the real official debt collection feature. It's just that it's sealed no matter what the solution is. Freezing WeChat, Alipay and bank cards are all fake. According to Chinese laws, only law enforcement officers can terminate WeChat, bank cards and payment accounts, and overdue online loans will report debtors to other information credit reporting systems.