1. If an automatic repayment agreement is signed at the time of loan, it is ok.
If you don't sign an automatic repayment agreement, the bank can't directly deduct money from your account.
Loans are loans, and bank cards are bank cards. There is a corresponding contract guarantee agreement when handling, but the bank has the right to freeze your account and ask you to repay.
3. If the overdue loan is owed to the bank, the bank has the right to directly deduct the debtor's deposit, because there are usually relevant agreements in the loan contract.
Otherwise, the bank shall not deduct the debtor's deposit at will without the court's notice of assistance in execution.
Will the bank automatically deduct money?
1. Automatic deduction
According to more than a dozen commercial banks, as long as the automatic repayment service is opened, the bank will deduct money from the debit card when the repayment is overdue, so everyone must leave enough money on the debit card, and the bank will automatically deduct money on the repayment date to avoid forgetting to repay.
2. Expiration time
Some banks said that if the overdue period is too long (more than 90 days) and there are many overdue periods, and I can't be contacted for a long time, the bank has the right to deduct money from the debit card under the user name, depending on how the loan contract is agreed.
3. No confidentiality agreement
In the Internet age, most businesses can be realized online, such as shopping, paying fees, watching movies, enjoying bicycles, and paying utilities. , and you need to bind a bank card to operate. If relevant confidentiality agreements are signed with Alipay, WeChat and Bank, repayment may also be deducted.
Fourth, law enforcement.
If the arrears are not repaid, the lending institution has the right to bring a lawsuit to the court, and after winning the case, it can ask for enforcement, then the assets in your name will be frozen for debt repayment.
In a word, the bank can't deduct the borrower's money casually, and it needs to act according to the regulations. If everyone has money in his name, it is best to give priority to repaying the loan, otherwise it will have an impact on the future credit business.