The fund you deduct every month is a way to buy a fund, that is, the fund will make a fixed investment (simply speaking, you deduct a certain amount of money from your card every month and buy a fund at the current fund price). The fund does not guarantee income, so the so-called interest rate will rise for three consecutive months, which is nonsense. The fund may make or lose money.
At present, as long as one (or two) deductions fail in many banks, most of the reasons are that there is not enough money in the card, and they will automatically stop deducting the fixed investment of this fund.
There is no question of whether the bought products can be taken back. If you want to cash out, you can redeem the fund (that is, sell it) directly at CCB's online bank or counter. The funds will be cashed.