Automatic deduction at 7 am. Xiaomi will automatically deduct the balance in the bank card on the repayment date after loans overdue. If the balance is insufficient, it can be deducted at 7: 00 am, 1 1 pm or 4: 00 pm, and the lender only needs to deposit the money into the repayment bank card before the repayment date. If you deposit on the same day, you may miss the system deduction, resulting in overdue.