1. Because the credit card and debit card under an individual's name are in the same institution, but they are operated and managed independently by different departments.

2. Credit cards are operated by the credit card department, and debit cards are operated by the debit card department. If it is a binding savings card specially used for returning credit cards, after the card expires, if there is money in the savings card, the system will naturally deduct money from it to make up the credit card arrears. Or the credit card is overdue for a long time, the bank will also deduct money from the cardholder's savings card in the bank, but it will not deduct money from the bank card of the user's other bank.

3. If the credit card is sued by the bank after it is overdue, the court will probably deduct money from the savings card of another bank card of the user after accepting it. After the credit card is overdue, the customer fills in the bound repayment bank card in time, and then reminds the bank to make up the deduction as soon as possible. The sooner you pay off the debt, the worse the impact will be. Yes, you can print the deposit and withdrawal details after closing the account. Just bring the interest slip of the account cancellation and let the bank staff print it out, but the bank will not stamp the detailed list.

First, the way that the credit card cannot be repaid after the deadline

1. If the credit card cannot be repaid on schedule temporarily, it shall negotiate with the bank to extend the repayment period or return it in installments;

2. If you still have some money on hand, you can choose to repay by installments or the minimum repayment amount. Some banks have 24 issues. However, the installment bank will charge a certain handling fee, and the minimum repayment will be calculated at 0.05% per day;

In addition, you can borrow money from your relatives and friends to pay back your credit card, and then pay it back to your friends when you have money.

Second, the hazards of overdue credit cards:

1, credit investigation: You know very well that the credit card is overdue for more than 15 days, which is basically a credit investigation at the meeting. If there are overdue credit records, it will affect the commercial loans in the last five years, such as buying a house by loan, buying a car by loan, and handling credit cards. , generally only see the credit records in the last two years.

2. Blacklist: Blacklist refers to Lao Lai, which means that if you refuse to repay your credit card after it is sued and judged by the people's court, you will be blacklisted and become a Lao An Lai, which will affect your inability to fly, high-speed rail, high consumption, private schools for your children, military schools for your children, and civil servants, and the policies in different regions are different. As long as it is paid off, it will be all right. Apply to the court to cancel the list of Lao Lai.

3. Prosecution: According to the regulations, the principal of credit card arrears exceeding 5,000 yuan for more than 3 months can be prosecuted. However, in reality, this situation is very rare. Generally, if the principal owed exceeds 50,000, it will be lost, and you can't be contacted by phone. If it is overdue for more than 6 months, the probability of being sued will greatly increase. It is only a civil lawsuit, and the prosecution will not freeze the property under the auction name and deduct the balance of bank cards, Alipay and WeChat. Prison: if the credit card is not returned, the possibility of imprisonment is relatively small. Those who owe less than 50 thousand principal are all civil lawsuits; If you owe more than 50,000 yuan in principal (excluding interest), you will report the loss maliciously and overdraw maliciously. If it is overdue for more than 6 months, you can't be contacted by phone. Those who fill in false information may be at risk of criminal prosecution and imprisonment.