The credit card will not deduct money arbitrarily, but you can check the bill details. If you find a transaction that is not your own in the bill details, you can call the customer service of the credit card if you have any questions.

if the bank fails to return the cardholder's money in time after arbitrarily deducting fees, or the cardholder is very dissatisfied with the handling result of the bank, he can report the problem to the CBRC and other departments. If the consumer opens a paid service without his permission or is maliciously induced by the bank, he should complain in time and ask the bank to refund the deducted fees. In addition, if the cardholder has other losses, he can ask the bank for compensation.

Extended information:

Farewell to bad credit card deduction methods:

1. Meet the bank's prescribed number of swipes, and automatically cancel the annual credit card fee: the annual fee is a kind of fee that credit cards will inevitably charge, and the annual fee varies greatly, ranging from at least ten yuan to several thousand. The bank will take the form of encouraging consumption to offset the annual fee.

2. Repayment on time will naturally not generate interest: it is best to bind your personal credit card to an automatic repayment account, so you don't have to worry about overdue repayment. After binding the account, you must ensure that the funds in the account are sufficient, otherwise there will still be cases where you don't repay the interest in time.

3. Pay the minimum repayment amount, and the late payment fee will be far away from now on: when banks collect credit card arrears, they will set a minimum repayment amount, which is also to relieve the repayment pressure of cardholders. The minimum repayment amount must be kept, otherwise, they will not only be charged with late payment fees, but also be implicated in personal credit records.

4. Never withdraw cash easily: Cash withdrawal by credit card will not only be charged a one-time handling fee, but also interest will be charged at the rate of .5 ‰ per day from the date of withdrawal to the date of repayment. If the bank thinks that cash withdrawal is malicious, it will cancel the credit card and refuse to apply for a card later. Therefore, for the handling fee of cash withdrawal, it is recommended not to withdraw cash.

5. Be clear about your own and remaining quota when spending, and don't touch the over-limit consumption easily. If there is really a big demand, you can apply to the bank for a temporary withdrawal in advance.

Baidu Encyclopedia-Credit Card Annual Fee Rules

Baidu Encyclopedia-Minsheng Bank Credit Card

Baidu Encyclopedia-China Merchants Bank Credit Card