1. If the bank has implemented prosecution procedures, the court has the right to freeze the bank account in your name to repay the debt; but generally, if the bank sues you, the bank will notify you; < /p>

2. If the person who maliciously cashed out is not found, and you have enough evidence to prove that the overdraft was not your fault, the bank will not auction your property;

3. At present, the Credit Reference Center of the People's Bank of China already has your bad record, and it will be difficult to apply for credit cards and loans within 5 years;