There are several possibilities for automatic credit card deduction:

1. After overdraft consumption, it will be automatically deducted from the balance on the repayment date;

2. The credit card used requires an annual fee, which will be automatically deducted from the balance after it expires;

3. Some banking services have been opened, and the payment is automatically due, which will also be deducted from the balance; For example: SMS reminder service.

in case of automatic fee deduction, you need to check the statement: if the landlord needs to check the details of the last 12 months, you need to log in to his online bank to check. The specific steps are online banking-credit card-credit card query-issued bill query.

if you still feel in doubt after checking, you can also call the service hotline of the corresponding bank for feedback, and the customer service can further combine your actual accounts to answer.

Extended information:

Credit card repayment rules:

After handling the installment repayment business, when you pay off in advance, the interest generated in each installment also needs to be paid off. In other words, the fee for each installment of prepayment by credit card installment will not be cancelled on the spot because of prepayment. If you only pay off the money after the repayment date, the bank will charge the relevant handling fee and interest on the next repayment date. That is, after paying off the arrears, it will still be deducted.

the annual fee is one of the sources of income for banks to issue credit cards, and any credit card will generate an annual fee. The essence of annual fee exemption is that the bank gets the annual fee compensation through the cardholder's brushing a certain amount or times! Therefore, credit card banks that have not been used for a long time but have not been cancelled will still deduct last year's fees, resulting in the situation of paying off and deducting money. Credit card cancellation must be thorough, in addition to canceling the card, you must also cancel the account!

In the era when there are more and more cases of credit card theft, we can't ignore this risk when there are any suspicious deductions from credit cards! It is also very simple to exclude, as long as you check the consumption records in the bill, including POS machines, consumer merchant information, etc., and immediately contact the bank to freeze the account if you find any problems. After the new credit card regulations, the stolen credit card can also get reasonable compensation, so it must not go away.

Baidu Encyclopedia-Credit Card Annual Fee Rules

Baidu Encyclopedia-Credit Card