The withholding agreement may not be reached soon.
1. Deduction process before overdue
When the repayment date after online lending expires, borrowers are generally required to take the initiative to repay. Of course, bank cards can also be withheld, because we signed a withholding agreement when borrowing money, which is a bank card bound by borrowing money. For example, JD.COM Bai Hua, Bai Jie Gold Bar and so on. Will automatically choose to bind the bank card to deduct money on the loan maturity date, and has signed a deduction agreement with a third party.
There are two kinds of credit card repayment: one is voluntary repayment, and the other is deduction when it is linked to the savings card of the bank to which the credit card belongs.
Two. Deduction process after overdue
If the platform online loan is overdue, if a third-party withholding agreement is signed, it will be deducted. If the withholding is not signed, then the platform has no authority to deduct money from the bank savings card.
Credit cards do not have related savings cards. Even if it is overdue, it will not be deducted from the savings card of its own bank, let alone from other bank cards. Savings cards are personal assets, and no one has the right to deduct money directly, not even banks.
Three. Cancellation process
Some netizens' loan cards and salary cards belong to the same card. At this time, it is necessary to cancel the withholding agreement and take the repayment right into your own hands. Here, you can directly call the customer service phone of the bank card to untie it. However, just in case you can't unlock it, I suggest you go directly to the bank to cancel your card and get a new one. According to the regulations of the bank, the new card after cancellation will not inherit the third-party agreement such as the original card withholding, and the new card will not be deducted by any bank or platform.
Four. Deduction after prosecution
Once the debt is sued by a bank or a third party, the plaintiff applies to the court for property preservation, and the court will freeze the debtor's account according to the application until the judgment is executed. If the plaintiff fails to apply for property preservation, the court will freeze the relevant asset account of the person subjected to execution when applying for enforcement after the judgment takes effect. Of course, if the plaintiff does not apply, the court can also take property preservation measures as needed. 1030 10 Article 242nd stipulates that if the person subjected to execution fails to perform the obligations specified in the legal documents according to the execution notice, the people's court has the right to inquire about the property information of the person subjected to execution, such as deposits, bonds, stocks, fund shares, etc. From the relevant units. Therefore, the court can inquire about any property under the debtor's name and take necessary preservation measures such as freezing.
The money in the above letter is frozen or deducted, that is, after the prosecution, the court takes freezing measures and will directly deduct the money in the implementation stage. Of course, only the funds are frozen, which will not affect the normal use of the software. The above are some simple explanations of deduction. I hope everyone can understand and make preparations as soon as possible to prevent money from being withheld at critical moments and delaying important things.
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