The online merchant bank sent a text message saying that it would not pay back the arrears.

According to China's relevant laws and regulations, after loans overdue, creditors have the right to take legal measures to recover loans. If you receive a text message saying that the creditor has applied to the court to freeze your bank card, WeChat, Alipay and other accounts, there may be the following situations:

1. Creditors apply for freezing through court enforcement procedures: if the liability for breach of contract and the way of recovery are clearly stipulated in the loan contract, and the creditors have filed a lawsuit with the court and obtained an enforcement ruling, the court may freeze the relevant accounts according to law.

2. False threats or fraudulent information: Some bad debtors or collection companies may use threats or false information to intimidate borrowers to achieve the purpose of debt collection. In this case, you should keep calm, verify the authenticity of the information, consult professionals and get better legal advice.

3. The court freezing procedure takes time: even if the creditor has applied to the court for freezing, the court will need some time to review and decide whether to approve the freezing application. In the meantime, your account may still be operating normally.

Summary: If you receive a text message saying that the creditor has applied to the court to freeze your account, you must first verify the authenticity of the information source. When necessary, you can seek legal advice from relevant institutions or lawyers to understand the specific situation and take corresponding measures according to the consultation results.

Extended data:

According to the provisions of Article 237 of the Civil Procedure Law of People's Republic of China (PRC), the creditor may simultaneously apply for taking preservation measures against the defendant's deposits, wages, bonuses and other property, including freezing bank deposits. However, this needs to be reviewed by the court and meets certain statutory conditions. If you encounter similar situations, it is recommended to consult a professional lawyer in time to understand your rights and interests and coping strategies.