Gitzo doesn't intend to return it after the deadline. I have already cancelled the contract in the APP. How can I deduct the money automatically?

There was an agreement before that you could be detained.

After the installment payment is cancelled, there is generally no automatic deduction. But the possibility of deduction is not ruled out. According to your previous agreement, financial institutions can deduct money. You must pay it back. If you don't change it, you will be sued and finally go through legal procedures. You must return it.