it doesn't matter if the credit card of the same bank is overdue and the savings card account has available balance. If the two accounts are bound, it doesn't rule out that the bank will automatically deduct the money. Of course, if the withholding authorization agreement is not signed, the bank can't directly deduct the money normally. It is illegal for an unauthorized bank to deduct the money from the savings card to repay the credit card, unless the court decides to enforce it.