1. If an automatic debit agreement is signed with the platform when handling online loans, online loan repayment is generally bound to a bank card, and then the bank will automatically debit the card to complete the repayment on the due repayment date. Then if the balance in the bank card is insufficient at that time, which leads to the failure and overdue repayment, then as long as the customer fills in the money, the system may deduct the money from it. After the customer repays the loan, it is best to remind the platform to deduct the money as soon as possible and pay off the arrears as soon as possible. If not reminded, some platforms may not deduct money. Even if the bank is authorized to automatically deduct and repay the online loan, the platform will generally only deduct and repay the loan from the bank card bound by the customer, and will not involve other bank cards under the customer's name.

2. If the customer does not sign an automatic debit agreement when handling the online loan, the online loan repayment is generally completed by himself, and the platform system will not deduct the money from the bank card under the customer's name. Regardless of whether the online loan is overdue or not, the bank card under the customer's name will generally not be deducted. After all, customers have not provided their bank card information to the platform. However, it should also be noted that if the online loan is not standardized, personal information is inadvertently leaked when handling online loans, and the bank card number is provided to the online loan platform, then the platform is likely to deduct money from the card, causing financial losses to customers. Customers must first check whether the platform is formal before applying for online loans, so as not to fall into a loan scam.

3. Basic conditions for personal loan: at least 18 years old, with full capacity for civil conduct, and legal and valid residence certificate and identity certificate; Have a stable legal income and proof, and have the ability to repay interest; When the loan business requires a down payment, it has the ability to pay the full down payment; For example, a large personal loan needs to meet the collateral conditions required by the bank; If you apply for a credit loan, you need to have a good reputation; Other conditions that meet the requirements of the bank. In addition to personal bank loans, there are also corporate commercial loans. For the loan business of large and medium-sized enterprises, bank loan requirements are also different from personal loans. The loan object of a commercial loan must be a commercial enterprise unit, that is, there is economic income, and the prepaid value can be compensated.

So if you reissue a bank card and the card number changes, the previous online loan cannot be automatically deducted from the new card. If you need to deduct money, you need to contact the bank staff again.