Legal analysis: no, first of all, you can't force the card. Although the unified handling of company behavior is a company guarantee in procedure, the company only guarantees that you are a company employee with a fixed income. Once the credit card overdraft cannot be filled, it is the cardholder who bears the repayment, not your guarantee company. It is illegal for the company to use this method.

Legal basis: Measures for the Administration of Credit Card Business

Article 33 Any unit that opens a basic account in a financial institution in People's Republic of China (PRC) may apply for a unit card. You can apply for multiple business cards, and the cardholder qualification shall be designated and cancelled in writing by the legal representative of the applicant or his entrusted agent.

Every citizen with full capacity for civil conduct can apply for a personal card. Personal card holders can apply for supplementary cards for their spouses and 18-year-old relatives, and the number of supplementary cards shall not exceed two at most. The holder of the main card has the right to request the cancellation of its supplementary card.

Article 38 The issuing bank shall withdraw the credit card when canceling the account. If the valid card cannot be recovered, the payment should be stopped.

When the account is closed, the balance of the company card account is transferred to basic account, and cash cannot be withdrawn.

Article 39 If a credit card is lost or stolen, the cardholder shall immediately apply to the nearest card-issuing bank or correspondent bank with his/her ID card or other valid documents, and provide relevant information in accordance with regulations to handle the loss reporting procedures.

Fortieth, if a cardholder finds his credit card after applying for loss reporting, he can apply for cancellation of loss reporting and stop payment.