Nope, never pa nangyari sakin to. Not really interested sa mga online lending apps, the majority of them are basically just loan sharks. Regarding dun sa pag ka lock ng account moe, it looks like na part yan ng terms and conditions nila.
7.4
If the MAD is unpaid after thirty (30) calendar days from Statement Date, your card will be automatically locked without need of prior notice or demand to You which you hereby expressly waive. You can unlock your card after successful repayment of the MAD. Your Card shall be automatically suspended if unpaid after ninety (90) calendar days from Statement Date, without prejudice to our right to cancel or terminate the Card any time and for whatever reason.