Hello, this is not illegal. China Construction Bank will deduct the money from your savings card because it has your consent. When you signed a credit card agreement with CCB, there was a clause in the agreement. It is not illegal to allow China Construction Bank to deduct the amount of your savings card when you are unable to pay the credit card debt.

: 1: What is a credit card?

Credit cards, also known as credit cards, are commercial A credit note issued by a bank or credit card company to a qualified consumer. The form is a card with the name of the card issuer, validity period, number, cardholder name, etc. printed on the front, and a magnetic strip and signature strip printed on the back. Consumers holding credit cards can shop or spend money in specialized business service departments, and then the bank will settle accounts with merchants and cardholders. Cardholders can overdraw within a specified amount.

Credit card consumption is a non-cash transaction payment method. No need to pay cash when purchasing, repayment will be made on the same day.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can repay before spending within the credit limit; a quasi-credit card refers to a cardholder who deposits a certain amount of petty cash in accordance with regulations and pays when the balance in the petty cash account is insufficient. A quasi-credit card that allows overdraft within a specified credit limit. Credit card generally refers to just a credit card.

Two: What is a savings card

The main function of a savings card is savings deposits. Through the electronic payment network established by the bank and the card's magnetic stripe reading and manual password input, cardholders can realize functions such as card consumption, ATM withdrawals, transfers, various payments, etc. The expenses incurred through the card are equal to those in the savings account. balance. When the account balance reaches zero, the card's payment function also drops to zero. Applying for a debit card is easy and does not require bank approval. Usually it can be obtained immediately.

3: Construction Bank

Construction Bank is the abbreviation of China Construction Bank. China Construction Bank, formerly the People's Construction Bank of China, is a large state-owned bank managed by the central government. In accordance with the requirements of the national investment and financing system reform, China Construction Bank transferred its fiscal functions and policy infrastructure loan business to the Ministry of Finance and China Development Bank respectively, achieving a functional transformation into a modern commercial bank model. At the same time, after years of reform and development, China Construction Bank already has the strength to participate in domestic and foreign market competition. China Construction Bank's business is as diversified as other banks, including credit funds and loans, residents' savings deposits, foreign exchange business and credit card business.