If your credit card is overdue and all the money in it is deducted as liquidated damages, you can take the following measures:

1. Contact the bank: First, you should contact the card-issuing bank immediately , explain the situation and ask for a solution. You can consult by phone, online customer service or in person at a bank branch to ensure that the bank understands your problem.

2. Negotiate repayment: Negotiating repayment with the bank is an effective way to solve overdue problems. You can propose to the bank to reschedule the repayment plan, such as deferred repayment, installment repayment, etc. Through active communication with the bank, try to reach an agreement acceptable to both parties.

3. Pay attention to repayment responsibilities: Even if your money is deducted as liquidated damages, you still need to bear the remaining repayment responsibilities. Please make sure to pay off the remaining balance on time and avoid overdue payments again to avoid affecting your personal credit record.

To sum up, when late payment on a credit card is considered a penalty deduction, you should contact the bank and solve the problem by negotiating repayment and paying attention to personal repayment responsibilities.

Supplementary information: According to Chinese law, banks must comply with certain regulations when collecting liquidated damages, such as relevant clauses in the contract, relevant regulations of the People's Bank of China, etc. The deduction of liquidated damages for overdue repayment generally requires advance notice, and the amount collected should be reasonable and legal. If you think there are problems with the bank's operations, you can consult relevant legal institutions or lawyers for further legal consultation and rights protection.

Please note that the above suggestions are for reference only, and specific solutions still need to be decided based on personal circumstances and actual circumstances. It is recommended to consult professionals promptly for more comprehensive and accurate advice when encountering similar problems.