The customer service of Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Bank, China Merchants Bank and Bank of Communications all indicated that under normal circumstances, if the savings card has no automatic repayment function, it will not directly deduct money from the user's debit card for repayment.

However, in addition to the customer service of Bank of Communications, other bank customers all said that if the overdue time is too long (more than 90 days), the overdue times are more, and I can't be contacted for a long time, the bank has the right to deduct money through the bank savings card under this user name.

The customer service of BOC Credit Card Center also said that if this happens, the bank will directly freeze the savings card under the bank's user name. If the amount involved is huge, you can also freeze the balance of other bank savings cards under this user name through corresponding legal procedures.

Therefore, after the normal arrears are overdue, the situation of automatic deduction does exist, but not everyone can use it! In fact, not only banks can directly deduct repayment from users' savings cards, but also some third-party financial institutions that have signed automatic deduction agreements with banks have such authority.

In some special cases, the money in WeChat and Alipay will also be directly deducted:

The online lending platform signed relevant confidentiality agreements.

For example, when using micro-loans and loan treasures, the agreement authorization to deduct your account balance has been checked by default when borrowing. In addition, if the online lending platform has signed relevant confidentiality agreements with Alipay or WeChat or even banks, then there will also be the possibility of deduction and repayment in this case.

This includes the balance of Yu 'ebao, Alipay and the bank card bound by payment.

Therefore, when borrowing money, you can pay more attention and read the contents of the relevant agreements signed carefully.

Credit institutions apply to the court for enforcement.

Although general credit reporting agencies (including banks) have no right to directly deduct money from WeChat or Alipay, if you don't pay it back for a long time, for example, for more than three consecutive months, the credit reporting agencies can bring a lawsuit to the court. Once the court execution document takes effect, the court has the right to directly deduct money from your WeChat or Alipay to the exclusive account of the court.