Legal analysis: If the credit card is overdue, the issuing bank will not deduct the property under the cardholder's name, and the bank does not have this right. We just need to note that after the credit card expires, the bank will call or send a text message to remind the cardholder to repay as soon as possible. However, if the cardholder fails to repay the loan for a long time, the credit card owes a lot. If the overdue circumstances are very serious, the bank is likely to bring a lawsuit to the court.

Legal basis: Measures for the Administration of Bank Card Business Article 41 The issuing bank shall carefully examine the credit status of the credit card applicant and determine the effective guarantee and guarantee method according to the credit status of the applicant. The issuing bank shall regularly review the credit status of credit card holders and adjust their credit limit according to the changes of credit status.