There may be the following reasons: 1. The last debt was not paid off, resulting in late payment fees and interest plus principal. 2. If you make repeated payments, bring the statement to the bank for consultation. 3. Annual fees incurred if the number of credit card swipes is insufficient within the specified period. 4. Customize other automatic repayment services.

What happens when China Merchants Bank credit card is automatically debited?

If the user subscribes to relevant services, the system will automatically deduct the payment on the deduction date; the user's previous debt has not been paid off, and China Merchants Bank subsequently initiates a deduction from the credit card; or the user's credit card charges If the annual fee is paid, the credit card limit will be automatically deducted. Therefore, for users, there must be some factual basis before the China Merchants Credit Card will be automatically debited.

After being deducted, the user can understand the amount of the deduction and the reason for the deduction based on the bill details, so that the user can cancel unnecessary automatic deductions.

Credit cards are deducting money indiscriminately? Minsheng and China Merchants Bank credit cards will not deduct money indiscriminately, but you can check the bill details. If you find transactions that are not your own on the bill details, if you have any questions, you can call the credit card customer service for consultation. .

If the bank fails to return the cardholder’s money in a timely manner after arbitrarily deducting fees, or the cardholder is very dissatisfied with the bank’s processing results, he or she can report the problem to the China Banking Regulatory Commission and other departments. If I have allowed or been maliciously induced by the bank to activate a certain paid service, I must promptly complain and ask the bank to refund the deducted fees. In addition, if the cardholder has other losses, he or she can also request compensation from the bank.

Say goodbye to unscrupulous credit card deduction methods:

1. If you meet the number of credit card swipes stipulated by the bank, the annual credit card fee will be automatically canceled: The annual fee is a fee that is bound to be charged by a credit card, and it is The amount of the annual fee is very different, ranging from at least ten yuan to several thousand yuan. The attitude towards the annual fee is that the bank will offset it by encouraging consumption.

2. Repaying money on time will naturally not accrue 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 balance in the account is The funds must be sufficient, otherwise there will still be situations where interest will be incurred if the repayment is not made in time.

3. Pay the minimum repayment amount and avoid late payment fees: When banks collect credit card debts, they will set a minimum repayment amount in order to ease the repayment pressure of cardholders. The minimum repayment amount is You must keep the amount, otherwise not only will you be charged late fees, but your personal credit record will also be affected.

4. Never withdraw cash easily: Not only will you be charged a one-time handling fee when withdrawing cash with a credit card, but you will also be charged interest at a rate of 0.05% per day from the day of withdrawal to the repayment date. If the bank believes that Malicious cash out will result in the cancellation of the credit card and refusal to apply for a card in the future. Therefore, regarding the cash withdrawal fee, it is recommended not to withdraw cash.