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Is the money deducted from Postal Bank’s credit card and debit card immediately if it is overdue?

No. Under normal circumstances, after the credit card of Postal Bank is overdue, as long as there are funds in the bank's savings card, it will be deducted. However, this process takes a certain amount of time and the money is not deducted instantly. A certain process is used to pay off the credit card debt, and the deduction will not be made immediately.