I have a credit card owed by Zhang Jian Bank, which is bound with a salary card, and the salary I just opened is directly deducted. This shows that if I refuse to pay, the credit card will exercise the right of offset. "Article 34 If the cardholder fails to repay the loan as agreed in the contract, or there are malicious acts such as violation of law, breach of contract and fraud, and there are other risks, the bank has the right to choose one or more of the following measures: collect the arrears from the cardholder by letter, SMS, email, telephone, door-to-door and announcement; Stop using the card; Stop all cardholders from using Dragon Card; Require its guarantor to assume the guarantee responsibility; Dispose of its deposit or pledge; Deduct directly from any account opened by the cardholder in any branch of the bank, and have the right to ask the judicial organ to investigate the legal responsibility of the cardholder or take other corresponding recourse measures when necessary; Take other risk control measures. "

This is written in the credit card charter of CCB. Since it is the driving offset right, it means that your CCB credit card has been overdue for a long time, and the bank has the right to deduct money from your savings card to pay back the credit card. This has nothing to do with whether you cancel the agreed repayment account. In this case, you'd better repay the loan as soon as possible.