for convenience, many cardholders will choose to bind the savings card of the same bank and automatically transfer money to repay the loan when it expires. But can you really sit back and relax in this way? Actually, it is not.

I once found that the money in the savings card was not enough to repay the credit card on the repayment date, so I replenished the money into the savings card that day. However, in the end, the bank only transferred a part of the repayment amount, resulting in no full repayment and interest.

what is the reason?

in fact, most banks set the amount of money to be deducted on the repayment date according to the amount of your savings card the day before the repayment date. Therefore, even if you replenish the money into the savings card on the repayment date, the bank will not transfer the money to the credit card.

so if your savings card doesn't have enough funds, I suggest you confirm whether there is enough money in the bound debit card to repay it a few days before it expires.

if the debit card is found to have insufficient money on the repayment date? Then pay the money to the credit card instead of the savings card.

Of course, if a tragedy like mine really happens to you, then you can call the bank customer service and explain the situation to the customer service. Generally, you can apply for discretionary fee reduction.