1. First of all, the bank can ask the cardholder to repay the principal, overdue interest, late payment fee and over-limit fee.

2. Secondly, if the bank sued the court and won the case, the cardholder should also bear the litigation costs.

Finally, you can turn off the automatic debit service of credit card, or change your credit card into another bank card for automatic repayment. The above is the processing method of overdue deduction of China Merchants Bank's credit card mortgage card.