Generally, credit cards will only deduct money after activation. Many people have not used the card, or have paid back the money even though they have used the card. However, credit cards have to deduct money every month. Know why this is happening. So, what’s going on with monthly credit card charges? Now let's analyze this problem.

As we all know, credit cards do not charge indiscriminately. If money is deducted every month, it is very likely that the cardholder has opened some value-added services and chosen the monthly deduction method. The most common one is the text message service. Currently, every bank will not send text message reminders for purchases under 500 yuan. Only those who have activated the text message reminder service will send pen reminders.

The charge for this kind of service is not high, about 3 yuan a month. There are two types: quarterly payment and monthly deduction. If it is paid monthly, it will be automatically deducted from the current bill every month. , so there will be a situation where money will be deducted from the card that is not used. And as long as the credit card money is debited, you must pay it back. No matter how much the amount is, you must ensure that the credit card is not in arrears, so as to avoid overdue credit.

But if you really don’t know why the fee is being deducted, it is recommended to call the bank customer service phone for consultation. If you feel that this kind of service is not needed, you can also ask the customer service to cancel it, so that it will not happen again next month. Deducted money. If you find that the bank deducted the money without permission, forcefully ask the bank to refund it.

In short, it is best to check the reason for monthly deductions from your credit card. If you run your own business, you must repay the deductions, even if you only owe a few dollars. Although some banks have tolerance services, if the amount does not exceed 10 yuan, it is not considered overdue, but if it is not repaid, interest will be calculated.