After the expiration of the 360 loan period, a message was sent saying that my bank card, Alipay and WeChat account would be frozen. Is it true?/You don't say.

We all know that the country is gradually establishing a sound credit system, but in fact, if you want to move, the funds in your bank card, Alipay and WeChat account are extremely difficult. Without legal authorization, basically even some law enforcement departments can't do this, so 360 borrowed money to send you a message saying that it should be frozen. You can't believe it at all, but since you owe someone money, you have to pay it back in advance. This is a suggestion for you today.

First, why can't he have such an operation?

As I said above, even in the process of law enforcement, law enforcement departments need corresponding authorization to freeze personal fund accounts, so only the court has the right to freeze, and it still needs to be reopened, with sufficient evidence. It is really amazing if a simple text message can freeze 360 loan companies.

Second, what should I do if I encounter this situation?

People send you this text message today, which means that you must owe others money. Since you owe money, you must pay it back on time and pay interest to others, as long as their legitimate interest does not exceed the state regulations. Then you should fulfill the contract you signed before, and now you have not repaid it, which means that you have breached the contract and it is illegal.

Third, should you panic when you encounter such information?

If you really have financial difficulties, then you can call customer service to see if you can extend the repayment time and see if the interest can be changed. Generally speaking, if you communicate with them seriously, customer service has certain rights. Don't run away from such things, don't answer other people's calls, and let others finally sue you through legal channels. Finally, this is actually a lose-lose situation.