Legal analysis: 1. If your credit card is bound with a mortgage card and you don't repay it on the due date, it will be automatically deducted from your credit card account the day after the due date. 2. It has no binding force. If the credit card fails to repay before the due repayment date, and fails to repay after the due date, the bank will directly deduct the money from any account you opened in any branch of the bank. Article 34 of CCB's credit card charter clearly stipulates this. If the cardholder fails to repay the loan according to the contract, or commits illegal acts, fraud and other malicious acts, and there are other risks, it will be directly deducted from any account opened by the cardholder in any branch of the bank, and if necessary, it has the right to ask the judicial authorities to investigate the legal responsibility of the cardholder or take other corresponding recourse measures.

Legal basis: People's Republic of China (PRC) Civil Procedure Law.

Article 2 The task of People's Republic of China (PRC)'s Civil Procedure Law is to protect the litigants from exercising their litigation rights, ensure that the people's courts find out the facts, distinguish right from wrong, correctly apply the law, hear civil cases in time, confirm the relationship between civil rights and obligations, sanction civil violations, protect the legitimate rights and interests of the litigants, educate citizens to consciously abide by the law, maintain social and economic order and ensure the smooth progress of socialist construction.

Article 3 The provisions of this Law shall apply to the people's courts in accepting civil lawsuits brought by citizens, legal persons, other organizations and among them because of property relations and personal relations.