First, the cardholder only paid the minimum repayment amount, but the agreed repayment was also a full repayment in breach of contract, so the savings card still deducted the fee.

Second, CCB's credit card agreed to repay, although it was automatically deducted one day after the repayment date, but the deduction instruction may have been generated before the cardholder repaid, and it was impossible to identify the cardholder's subsequent repayment and repeated deduction.