the money in the digital wallet will be automatically deducted and returned to the credit card. According to the query related information, the smart repayment of credit card can set the repayment plan with one click, and it can automatically pay off 1% of the bill with a 5% quota, and the handling fee of 1, yuan is only tens of yuan. If the user of digital RMB personal wallet does not want to use this function, he can also turn off the bank card deduction switch in the bank card management in the wallet management. In addition, users can also adjust the order of bank card deduction, thus showing respect for consumers' right to choose.