The text message I received said that all bank cards would be frozen.

Legal analysis: 1. If a bank files a civil lawsuit, it shall decide whether to accept it within 7 days from the date of receiving the litigation materials.

2. If you owe RMB 10000 yuan, you still don't pay it back for more than 3 months after two bank collections, which constitutes the crime of credit card fraud and should bear criminal responsibility. After the public security organ files a case for investigation, it usually takes about four months for the procuratorate to initiate a public prosecution.

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

Article 100 A people's court may, on the application of the other party, order the preservation of property, order the implementation of certain acts or prohibit the implementation of certain acts in a case that may cause difficulties in execution or other damage due to the behavior of one party or other reasons. If the parties do not apply, the people's court may also order the adoption of preservation measures when necessary.

Article 103 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.