The debit card cannot be used normally after the bank exercises its right of offset. The exercise of the right of offset by a credit card means that if I have a deposit in a savings card of a certain bank, the bank has the right to use the deposit to repay the credit card debt. The bank exercises the right of offset because the credit card has been overdue for a long time and the person has deposits in the bank's savings card. The bank will have the right to use the deposits to repay the credit card debt; the solution is to repay the minimum credit card debt in a timely manner every month. Just repay.

According to the provisions of the CCB Credit Card Articles, if the payment is not repaid for a long time, the cardholder can be directly debited from any account opened at any branch of CCB, which is the exercise of the right of offset. For details, see Article 34. If the cardholder fails to repay the loan as agreed, or commits illegal or breach of contract behavior, or commits malicious acts such as fraud, or there are other risks, the Bank has the right to choose to take one or more of the following measures: Measures: Collect the arrears from the cardholder by yourself or entrust a third party through letters, text messages, emails, phone calls, door-to-door visits, announcements, etc.; stop the use of the card; stop the cardholder from using all Long Card credit cards; require its guarantor to assume guarantee liability; disposal Its deposit or pledge; it will be directly deducted from any account opened by the cardholder at any branch of the Bank. If necessary, it has the right to request judicial authorities to investigate the cardholder's legal liability or take other corresponding recourse measures; take Other risk control measures. Regarding the transfer time, the bank has regulations. It cannot be transferred at any time. There is a deduction frequency of 1-2 times per month. The specific day on which the payment is deducted depends on the account situation. If it is deducted, the words "Exercise the right of offset" will be written in your savings card account details and bank card account details.

1. A savings card is a financial transaction card issued by a bank to provide financial services to depositors. It is a type of debit card. There are two types: magnetic stripe and chip. Its main function is to make deposits and withdrawals at networked ATM machines and bank counters, and to make purchases at networked POS. The main function of a savings card is savings deposits. Through the electronic payment network established by the bank and the magnetic stripe reading and manual password input of the card, cardholders can realize card consumption, ATM cash withdrawals, transfers, various payment and other functions. Through the card Expenses made equal to the reduction in the savings account balance. The account balance is zero and the card's payment function is reduced to zero. Applying for a debit card is very simple and does not require bank approval. Generally, it can be applied and withdrawn immediately. Debit card fees mainly include annual fees, small account management fees, loss report fees, new card processing fees, cash withdrawal fees (including local inter-bank, non-local inter-bank, non-local inter-bank, overseas ATM, Hong Kong and Macao), transfer fees (including non-local local banks) , inter-bank in different places, inter-bank in local, wire transfer to overseas), online banking transfer fees (including inter-bank in different places, inter-banks in different places, local inter-banks, overseas remittances).

2. Debit Card refers to a bank card issued by the issuing bank to the cardholder. It has no credit limit and the cardholder deposits first and uses it later. Debit cards are divided into debit cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.