I don't have a loan. Why should I deduct money from my card?

1. Sign the withholding agreement.

Generally speaking, the money directly deducted by the bank without the customer's password is basically withheld: for example, utilities, mobile phone fees, SMS notification fees, gas fees, fixed investment funds, credit card repayment, music or video membership renewal fees, and so on.

These fees are not transferred by the bank at will, but because you have signed a withholding agreement with the bank, some of which are paper withholding agreements, such as SMS notification fee and automatic repayment agreement of credit card, which are generally written clearly in your account opening application form; Fixed fund investment, music or video membership renewal, etc. Usually an electronic protocol. When you open a member or make a fixed investment, the system will default to the column of automatic renewal or automatic deduction. If you are not careful, it may be opened.

Some people may say, what about the small account management fee and annual fee? In fact, when opening a card, these fees will also be clearly written on the card opening form, and the bank will directly deduct them from the account, but too many people have not read them carefully.

Therefore, the bank will not arbitrarily deduct the funds in your account for no reason. Most of the deductions are because you signed a withholding agreement, but you didn't pay attention to it or ignored it.

2. No withholding agreement has been signed.

Of course, there is another situation. We didn't sign a withholding agreement with the bank, and the bank still withheld our funds. This is mainly because the judiciary requires banks to assist in deduction. For example, if Lao Lai fails to repay his debts in Bank A, but he still has money in Bank B, and if the judicial authorities issue a written document asking Bank B to directly transfer Lao Lai's funds to Bank A to repay his debts, then Bank B will not notify Lao Lai separately, but directly transfer them.

abstract

Banks should be said to be enterprises with the most complete domestic rules and regulations and risk control measures. Especially for transactions involving account funds, risk control is checked at all levels. If there is no relevant withholding agreement or documents issued by the judicial authorities, it is impossible for the bank to transfer your funds at will.