Is the failure of service charge deduction of ABC related to credit?

The service fee of the message service is deducted from the bank card. The first month is free, and the service charge for the next month will be deducted from the 2nd of that month. If the deduction is unsuccessful, the account system will send a notice the next day, asking the customer to deposit before the end of the month and deduct the money in batches at the end of the month. On the last day of the month, the account funds are still insufficient to deduct fees, and the message service business of this account will be stopped from next month. The customer applied for the quasi-credit card of Agricultural Bank of China, and opened the overdraft function and SMS service. If the customer's account funds are zero, the system will not automatically overdraw and deduct the monthly SMS fee.

The failure of this deduction has nothing to do with credit.