Credit cards exercise the right of offset. Simply put, when an individual deposits funds in a bank's savings card and the bank's credit card account has unpaid debts, the bank has the right to use it. The deposit in the savings card will be used to pay off this part of the debt. The exercise of this right is usually based on the long-term failure of the credit card user to fulfill its repayment obligations, and the bank operates within the legal scope.

The time limit for exercising the right of set-off is very important. It is usually required to be submitted before the completion of the execution procedure. This is a basic condition for the exercise of the right of set-off. As a right of formation, the right of set-off can be established as long as one party agrees. However, its existence and exercise depend on the status of the claim, that is, the right of set-off can be effectively executed only when the claim exists and has not been cancelled.

The "Contract Law" stipulates that when the types and qualities of the debts of the two parties are inconsistent, they can be offset after consensus, which is a manifestation of consensual offset. In the Corporate Bankruptcy Law, creditors have the right to claim to offset their debts to the debtor before the application is accepted. However, there are some situations where offset is prohibited, such as claims acquired by the debtor after bankruptcy, or where the creditor knows that the debtor is unable to repay but still bears the debt. Debts, etc., unless there are special legal provisions or under specific circumstances one year before the bankruptcy filing.