1. Illegal deduction: It is illegal for banks to deduct money to repay the arrears without authorization. The parties can complain to the bank and seek a solution. If the complaint is fruitless, you can complain to the CBRC and seek the intervention and mediation of relevant departments. If the problem still cannot be solved, the parties concerned can report the case to the public security organ and seek legal protection and rights protection.
2. Legal deduction: if the bank deducts money to repay the credit card debt according to the effective judgment or ruling of the court, it is a legal deduction. If a party refuses to accept the judgment or ruling, he may appeal or appeal to the people's court to seek further legal relief.
What do I need to get a credit card?
1. identification: valid identification of users who apply for a credit card and meet certain age conditions, such as personal identity card and its front and back copies, military officer's card, residence permit or employment certificate;
2. Work certificate: the credit card applicant must provide the original work certificate issued by his work unit, which should indicate the applicant's position, company name, income and other information;
3. Proof of financial resources: Credit card applicants need to provide the bank with information that can prove the source of their funds, such as salary records issued by the bank.