The bank's instant deduction is a reasonable behavior because you did not repay the loan within the prescribed time. Banks can require overdue users to repay in accordance with the law. When the overdue payment is not serious, banks can calculate interest on overdue users. For some long-term malicious defaulters, it is reasonable for the bank to deduct money a second time. Overdue users should repay the loan to the bank in a timely manner, pay the bank interest as agreed, and negotiate with the bank to resolve the secondary deduction problem. If the negotiation cannot be resolved, the user can file a lawsuit with the court for settlement

: A series of credit card business processes

1. Credit card activation issues: The credit card needs to be activated before it is used for the first time. use. The credit card account opening method is as follows:

(1) Counter activation: You only need to bring your ID card and credit card. (2) For online banking cards, if you have online banking shield, you can set a transaction withdrawal password. (3) For telephone voice self-service, you also need to provide the correct ID number to verify your identity; if there is an error in the information you entered, you will be transferred to manual card opening.

2. Credit card consumption and use: After the credit card is activated, you can perform normal card consumption operations. Banks will guide you to use credit cards through various preferential activities such as points, discounts, installment payments, and promotions. However, if you deposit extra money into a credit card account, interest will not be calculated. Because a credit card is not a savings card, there is no interest rate on deposits.

3. Repayment business: Credit cards have settlement dates and payment dates, which are usually stated in the registered letter sent to the credit card. If you use a credit card, you must remember to repay on time. After the repayment date is over, the repayment operation can only be restricted before the repayment date. No interest is payable on repayments before the due date.

4. Regarding interest and late payment fees: Most banks implement the principle of charging interest in full, and the daily interest rate is 5‰. If the consumer's actual payment on the due date is lower than the minimum payment, the bank will also charge a 5% late payment fee on the amount lower than the minimum payment.

5. Annual fee issue: Almost all bank credit cards charge annual fees, ranging from dozens to thousands of dollars. The higher the credit card level, the higher the annual fee.

Nowadays, the credit card market is highly competitive. In order to attract customers and encourage consumers to use credit cards, most banks will launch fee reduction activities for many years. Specific reductions and discounts can be obtained from major banks