When it comes to outstanding credit card debt, if the payroll card and the bank that owes the money belong to the same financial institution, typically the bank will not deduct money directly from your payroll card to repay the debt. However, this behavior is not completely impossible, depending on the following aspects:

First, persistent arrears can lead to bank collection measures. This may include the intervention of bank staff or professional collection agencies, whose main purpose is to urge you to repay the loan. In this case, it is important to maintain active communication, work with the bank to develop a repayment plan, and implement it as soon as possible. This will help avoid further legal disputes. Banks generally will not deduct wages or other account funds on their own.

Secondly, it is worth noting that overdue credit cards will have serious consequences. In addition to liquidated damages (usually 5% of the minimum repayment amount) and high interest (calculated on a daily basis, the accumulated interest may be very staggering), overdue records will also have a negative impact on your credit rating, affecting home purchases and loans in the next two years. and other financial activities. If the payment is overdue for more than 3 months and the amount is relatively large, and the bank fails to collect the payment multiple times, you may face legal proceedings and be required to repay the principal and possible criminal liability.

In general, although banks usually do not deduct salary cards directly, it is important to maintain good repayment habits and deal with overdue debts in a timely manner to avoid additional financial distress and damage to your credit history. .