If we bind the savings card and sign the automatic repayment, then the bank will directly deduct money from the savings card to repay the credit card on the repayment date, and the bank can collect money within the scope authorized by the user. Otherwise, even if our credit card is overdue, the bank has no right to deduct money from the savings card.

If there is no automatic deduction from the savings card, you can cancel the automatic repayment.

At present, many banks stipulate that credit cards handled in this bank do not support the binding of savings cards of other banks, but credit cards and savings cards are two independent accounts. If there is no binding, the bank cannot deduct funds from the user's savings account without permission. If it is a savings card from another bank, it is even more wrong.

However, if it is a long-term malicious overdue overdraft, then the bank will sue the court, and the court will freeze the bank savings card and demand repayment with the assets under its name. Under normal circumstances, your personal behavior and travel will be restricted and restricted, and at this time, the court will also give you corresponding prosecution requirements, and you will repay on time. If there are more assets or loans in your name at this time, the funds in your savings bank card will be converted or set aside accordingly, then the tax deduction behavior can not be reduced accordingly, so it can only be repaid automatically or correspondingly, so don't take these.

It should be noted that credit card and savings card are two different things, and they are also two independent departments in the bank, and they will not cross-handle business; In addition, the money in the savings card belongs to your personal assets, and the credit card belongs to your loan relationship with the bank. Without legal authorization, even if your credit card is overdue, the bank has no right to transfer money from your account as long as the court does not freeze your personal assets.

If the bank is "forced", the money in your savings card may be deducted, but it must be that the savings card and credit card belong to the same bank and the credit card is overdue for a certain period of time. When the bank starts to collect money, it will first check whether there is any money in your savings card, and if there is, it will automatically deduct it. But this is limited to the bank's savings card, and other banks' savings cards have no authority to deduct money unless the court decides to enforce it.