The Bank of Communications credit card is bound to the debit card automatic repayment service. On the repayment day, the debit card contains the amount that should be repaid, but the Bank of Communications fails to automatically deduct the payment. Who is responsible?

I'm sorry, it's you, because of overdraft and overdue repayment. If you pay on the final repayment day, in principle, you are still before the final repayment date, that is, during the interest-free period. However, on the last day, it is normal for the system to fail to deduct the payment successfully on that day. It has passed the off-duty time on that day. If so, the system will end all settlements and start settlement on the second working day. That is to say, your money was deposited, but the settlement was not completed during settlement, so the deduction procedure was unsuccessful. By the time of settlement on the second working day, you have just exceeded the interest-free period and incurred a non-performing loan, so the bank will calculate overdraft interest and late payment fees. If you are lucky, you deposited it on the last repayment day, and it was settled before the settlement on that day, then you are repaying the loan before the repayment date. If you are unlucky, you will be in this situation... So Credit card repayments should be deposited a few days before the final payment date, don't delay until the last day...