If the payment is overdue for a long time, money will be deducted from the China Merchants Bank savings card.

1. Under normal circumstances, after the credit card is overdue, the bank card will not be deducted directly, because the credit card and debit card under the personal name are in the same institution, but they are still operated independently by different departments and are independent. managed. Credit cards are operated by the credit card department, while debit cards are operated by the debit card department.

2. If it is a debit card that is specifically used to repay the credit card, after the card becomes overdue, if there is money in the debit card, the system will naturally deduct the money to make up for it. Credit card debt. Or if the credit card is overdue for a long time, the bank will deduct money from the cardholder's savings card in the bank, but will not deduct money from the user's bank card in other banks.

3. If your credit card is overdue and the bank sues you to the court, after the court accepts the case, it is very likely that the money will be deducted from the savings card of the user's other bank card. After the credit card expires, the customer should promptly recharge the bound repayment bank card, and then remind the bank to make up for the deduction as soon as possible. The sooner you pay off your debt, the better you can minimize the negative consequences of overdue payments.

4. China Merchants Bank will calculate interest based on your overdue payment, but if you do not repay the money after half a year, someone from China Merchants Bank will contact you about repayment. If you still refuse to repay, That becomes malicious overdue. China Merchants Bank has the right to classify you as a dishonest user.

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What are the consequences of failing to pay back the due date and your credit report being blacklisted:

According to current record regulations, overdue records will be kept for five years. If you have objections to overdue records, you can also appeal. We need to remind everyone that overdue records will be overwritten, but the rolling time will only start after the money has been repaid. That is to say, once there is a credit black spot, pay back the money immediately, and your credit record will be clear after 5 years. If you still owe the money, your credit record will not clear your name.

For credit black spots of overdue repayment, generally speaking, it will affect the application of credit cards and bank loans, but will not have much impact on other matters. For example, water, electricity and gas payments have little impact on bank loans. However, if your credit report is checked frequently, the bank will have reason to suspect that you have borrowed from many institutions and require you to provide an explanation or deny you a loan.

Generally speaking, even if there are certain credit black spots, as long as they are not serious, the relevant financial services will continue as usual, and sometimes it will only affect the credit limit. In the past, credit reports were only kept for two years. Now most banks only look at your credit status within 1 to 2 years, so the impact will not be significant after a long time.

Even if we owe money to others, we can continue to use the bank's savings, transfer and other functions, because even if the bank finds out that you owe money in the credit report, it will not be subject to administrative law enforcement powers such as the People's Court. They have no right to freeze your account when there are relevant documents or when you violate financial laws and regulations. Of course, if the person you owe money to is a bank, and the amount is sufficient (eighteen hundred yuan is meaningless and not enough for labor costs), after the relevant credit record is checked, you do have sufficient financial assets, and it is very likely that you will be forced to executed.