There may be many reasons for the unreasonable deduction of money from a credit card. The following are some possible reasons:

1. Automatic renewal: Some subscription services or membership plans may automatically renew their fees at the appointed time and deduct money from the user's credit card. If you forget to cancel the automatic renewal option, it may lead to unnecessary deduction.

2. Pre-authorization: In some cases, the merchant may pre-authorize your credit card to ensure that you have enough funds to pay the bill. Pre-authorization will temporarily freeze a certain amount of funds, but the actual deduction may occur later.

3. Fraud: If the credit card information is stolen or leaked, it may lead to unknown deduction. These deductions may be related to businesses that have never heard of before, or may be transactions made without your permission.

4. Incorrect deduction: The merchant may incorrectly charge the user's credit card account, or make mistakes when processing the payment.

5. Annual fee deduction: Credit cards usually charge an annual fee. If the user's credit card does not meet the conditions of annual fee exemption, it will be required to pay an annual fee for the credit card.

can huabai repay the loan two days in advance?

yes. If the user pays the normal bill in advance, then this is a normal repayment, which does not have much impact. If you pay the installment bill in advance, paying in advance may not save much commission, because the platform will still charge commission for the installment payment paid in advance.