Звучит странно, потому что обычно под кредит заводят определенный счет, откуда снять ничего нельзя (счет с минусом изначально), это если не ситуация, где сразу замораживают сумму кредита ))

Starting October 25, 2022, Russian citizens will be denied entry for tourism, sports or culture purposes, even if they hold a valid Schengen visa. - Чехия


UPDATE OCTOBER 3, 2022: Russian nationals cannot cross external EU border in Poland (by any method) unless they belong to one of the groups exempt from new restrictions, including workers (as long as work permit and confirmation of work in Poland is provided); holders of a Poland Business Harbour visa; students of Polish schools and their guardians; and children of workers, among others. The restrictions do not apply to those entering Poland from another Schengen country. The purpose of regulation is to prohibit Russian travelers entering Poland for tourism, cultural, sports and business purposes. - Польша + UPDATE APRIL 5, 2023: As of April 5, 2023, the Polish government will no longer allow entry to Poland along the external European Union border for Russian citizens who are: children enrolled in Polish schools or their guardians; students of Polish universities; and dependents with Russian passports entering on a visa. The only exception will be if the individual holds a Polish Residence Permit or “Polish Business Harbor” visa.