What is the automatic deduction of bank cards?
1, deduct the annual fee, and the bank card has an annual fee, which is generally a one-time deduction;
2. Register for automatic fee deduction. For example, if a member who has opened a platform has a continuous monthly subscription, the time system will deduct the fee from the associated bank card;
3. Opening other services that need to be paid, such as SMS and other reminder services, will also cause the bank card fee to be deducted;
4. If the deposit is less than the amount stipulated by the bank, the management fee will be deducted;
5. Repayment: For example, if you repay a car loan or a mortgage, the bank will automatically deduct the fee when it expires.
How to cancel the automatic debit of bank cards?
1. Bank mobile phone client cancellation: all major commercial loans and state-owned banks have mobile phone clients. After downloading the mobile phone and logging in, you can usually show off and choose to turn off the automatic deduction in the quick payment settings of the security center;
2. Counter cancellation: Go to the issuing bank with ID card and bank card, and the counter staff will help the user cancel the automatic fee deduction function after checking the user's identity.
I forgot to deposit my car loan. Can I deduct it again?
If you forget to deposit your car loan, you can deduct the fee. If the car loan forgets to save money, the user can repay it manually before the repayment date. Failing to repay on time after the repayment date is overdue. After the car loan is overdue, users will face the consequences of being collected by the lending institution, collecting late fees on a daily basis, affecting their credit records and so on, and must repay on time. If the car loan is overdue because of forgetting to save money, users only need to contact customer service as soon as possible and pay off the arrears on time. Don't owe money maliciously, or the lending institution may take legal measures.
Will the unsuccessful deduction of insurance affect the credit investigation?
Failure to deduct insurance will not have a negative impact on personal credit information. Generally speaking, after the insurance deduction fails, if the user deposits enough fees in the card, the insurance company will start the second deduction. In addition, the insurance has a grace period of 60 days. On the other hand, insurance investment is a commercial activity. If users stop paying fees, they will not enjoy insurance protection at most, which will not affect the credit investigation. This paper is mainly about the deduction knowledge points of Shanghai Ladasi Information Technology Co., Ltd., and the content is for reference only.