If your credit card is overdue, the bank will deduct the money directly and you can file a complaint. If the bank deducts the money on its own to repay the debt, it is illegal, and it can complain to the China Banking Regulatory Commission. If the bank deducts money legally based on the effective court judgment, it can appeal or appeal to the people's court against the judgment or ruling.

Handling of overdue credit card deductions:

1. Illegal deductions

It is illegal if the bank deducts the money on its own to repay the debt. , the party concerned can complain to the bank or the China Banking Regulatory Commission. If the complaint fails, the case can be reported to the public security organ;

2. Legal deduction

If the bank relies on the effective judgment or ruling of the court, If the deduction is used to repay credit card debt, it is a legal deduction. If the party concerned is dissatisfied, he or she may appeal or appeal against the judgment or ruling to the people's court.

Solutions for overdue credit cards and no money to pay back:

1. Use the delayed service provided by the bank:

If the funds are only one or two days short of To repay the debt, you can take advantage of the bank's deferred repayment service. Banks generally have a 1-3 day deferred repayment service. As for the specific number of days, each bank is different. It is best to consult the customer service of the relevant bank;

If you are unable to get a credit card in the short term, you can consider applying for credit card installment or repaying the minimum repayment, although these two methods require payment to the bank. interest, but also avoids bad credit record caused by overdue payment;

3. Effectively change the billing date:

If you predict that a certain bill may not be repaid by then, you can Apply to the bank to change the billing date before the bill comes out in order to extend the repayment period. Of course, the statement date cannot be changed. For specific circumstances, you need to consult the bank to confirm;

4. Find friends or family to borrow money for turnover:

Find friends or family To make a change, borrow some money to pay off your credit card first, and then pay it back when you have sufficient funds.

Legal basis:

Article 671 of the "People's Republic of China and Civil Code"

The lender failed to comply with the agreed date and amount. If a loan is provided and causes losses to the borrower, the borrower shall compensate for the losses.

If the borrower fails to collect the loan on the agreed date and amount, the borrower shall pay interest on the agreed date and amount.