Loans can be automatically deducted from bank cards because users have signed a withholding agreement with lending institutions when applying for loans, and then lending institutions will initiate automatic deduction to return the current repayment amount every time they repay. Automatic deduction, users will not be overdue because they forget to take the initiative to repay.

However, automatic deduction also has disadvantages, that is, once the user does not want to repay, the lending institution will always initiate automatic deduction until all the repayment funds are deducted.