Handle complaints in a timely manner. When the Zhong You Xinye loan is deducted from the personal bank card privately, it is necessary to contact the platform in time to make a complaint, and the bank should also issue a debit note so that the other party can better compensate and refund. When personal bank account is deducted, you need to go to the bank in time to inquire, and also contact merchants or platforms in time to inquire, so as to safeguard personal rights and interests.