If we bind a savings card and sign up for automatic repayment, the bank will directly deduct the money from the savings card to repay the credit card on the repayment date, and the bank can collect the payment within the scope of user authorization. Otherwise, even if our credit card is overdue, the bank does not have the right to debit the deposit card. However, if it is a malicious overdraft and the repayment is overdue for a long time, the bank will sue the court. The court will freeze the bank savings card and require the repayment to be made with the assets in the name.
Moreover, many banks currently stipulate that credit cards processed at the bank do not support binding to debit cards of other banks. However, credit cards and debit cards are two independent accounts. If the two are not bound, the bank will Users' savings account funds cannot be deducted privately. If it is bound to a debit card from another bank, you will have no rights.
However, generally speaking, the sooner we pay off the debt, the better, so as to minimize the adverse effects of overdue payments. The above is an introduction to overdue credit card deductions. I hope it can help you. If we are not sure, we can call the bank’s customer service hotline for consultation.
Credit card repayment means that when the cardholder's credit card consumption reaches the final repayment date, in order to ensure the cardholder's good credit record, the bill consumption funds are returned to the bank. The repayment methods are as follows:
In-bank repayment:
The repayment methods mainly include: card issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
Mobile phone repayment:
Mobile phone is a personal payment terminal of the mobile financial system, which can be used to repay money directly by swiping a card, or to perform transfers and other services. Instant credit!
Convenience store repayment:
Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.
Online repayment:
The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
Inter-bank transfer:
Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
Counter Pass:
Counter Pass refers to the bank cards issued by various networked financial institutions, which can be used to conduct RMB demand deposits through the counters of other bank branches registered in the UnionPay Exchange Center host system. Deposit and withdrawal transactions.
Lakala:
Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals .
Xinfutong:
The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided financial services by China UnionPay's inter-bank information exchange network Support innovative electronic products.