The user can cancel the agreement that the bank card will automatically return the credit card, so that the system will not deduct money from the salary card to return the credit card. In addition, some banks can deduct funds from their bank cards for repayment after users are overdue. At this time, the user only needs to return the overdue debt of the credit card, and the money in the salary card will not be deducted.

In addition, the overdue credit card will leave an overdue record on the credit record. If the overdue debts are not paid off, the credit will not be restored.