Credit card can be bound to savings card for automatic repayment. Although many banks now stipulate that our credit card does not support the binding of other banks' savings cards, our savings cards all support automatic repayment. As long as there is a balance in the savings card, it will be automatically transferred to the credit card before the repayment date to avoid overdue repayment.
If the credit card fails to repay automatically within the time limit, the bank also has the right to deduct the deposits in the savings card in the name of the bank, but has no right to deduct the deposits of other banks.
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Credit card overdue for more than 3 months, the amount of more than 50 thousand yuan, more than 3 times of collection, then it involves malicious overdraft of credit card. If it is sued by the bank to the court, it will reach the filing standard.
In this case, the deposits of all banks under the name will be frozen, and the court will consider protecting the rights and interests of banks first. The funds and accounts of credit card holders can be frozen and deducted for repayment of arrears.
Phoenix. Com- After the credit card expires, can the bank directly deduct it from your deposit?