After all, the automatic repayment function of a credit card is set by the cardholder himself, not required by the bank, and it is completely different from a loan. To apply for a loan, a bank card must be bound as a repayment card, but only from this bound card. Other cards usually have no deduction authority, but there are also many repayment methods, such as Huabai, borrowing bank and so on. If multiple cards are bound, the money will be deducted in turn, and one card will be deducted if it has no money, but if the bound bank card is unbound, it will not be deducted from the heavy card.
Of course, there will be some situations. For example, if the credit card is seriously overdue, the cardholder may be frozen by the judicial authorities, so even if the salary card under his name is not bound as a debit card, it will still be deducted for repayment. You'd better not come to this.
In short, whether the credit card will be deducted from the salary card after it is overdue depends on the specific situation.
The salary card is the original record to record the salary level and standard. The labor and personnel department establishes a salary card for each employee who enters the factory. Its contents mainly include: name, position (title or type of work), salary grade, salary standard, work department, date of joining the work, date of transferring from the work, etc. The salary card is established when employees enter the factory, and cancelled when employees transfer or retire. The finance department will issue or stop paying employees' salaries according to the salary card.
The main characteristics of credit cards
Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, Master Card, JCB and other international credit card organizations, which are universal.
It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.
It is a high-tech product integrating financial business and computer technology.
Can reduce the use of cash currency.
It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.
It can simplify the collection procedure and save social labor.
It can promote commodity sales and stimulate social demand.
Legal basis:
Article 196 of the Criminal Law stipulates that whoever commits credit card fraud in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.