The reasons are as follows:

1. Deduction rules: When applying for a credit card, the bank will clearly stipulate some fees and automatically deduct them with the user's consent. The fees include annual fees, delays Repayment fees, overdraft interest, if there are fees in the credit card account, and the deduction date is encountered, the bank will automatically deduct some fees.

2. Failure to settle the debt in time: There is an outstanding credit card debt. In each billing cycle, the bank will calculate and charge interest and late payment fees. There are some fees in the account, and automatic payment is set. For debit service, the bank will automatically deduct some fees on the specified date.