The mortgage card can be exchanged for another card. Moreover, changing the card needs to go to the bank that applied for the loan, and then bind the repayment. When changing cards at the bank, you need to bring your ID card and old card. When personal loans are handled in China Merchants Bank, the first debit account number should be a China Merchants Bank card or passbook opened in the same city under the borrower's name, and the second debit account number should be a China Merchants Bank card or passbook opened in the same city under the borrower's name or the debtor's name.

I. Mortgage Card

1. The mortgage card is actually a debit card used to repay the monthly mortgage repayment. It belongs to the customer himself and is a peer card of the loan handling bank.

2. If the customer has a savings card in the bank before handling the mortgage, he can directly bind the card to repay the monthly mortgage. If you have never applied for a debit card in the loan handling bank before, you can also apply for a debit card directly at the same time as the mortgage, and then use it to deduct the monthly mortgage repayment during the repayment period.

Of course, as long as there are funds in the mortgage card, it can be used like an ordinary debit card, and it is no problem to spend by credit card. It should be noted that we must pay more attention to the movement of funds in the card to ensure that there are enough funds in the card when the banking system deducts money on the repayment date. If the balance in the card is insufficient, it must be made up in time before the repayment date.

4. At the same time, ensure that the card is in normal state, because if the card is in different state, it will also affect the bank's deduction, which may lead to repayment failure, overdue and personal credit.

2. What if the mortgage is rich but not automatically deducted?

1. The bank will deduct money at any time on the repayment date of the mortgage, and the user only needs to ensure that there is money in the repayment bank card. For example, you check the bank card balance at 9: 00 in the morning and find that the mortgage has not been deducted. It may just be that the system did not initiate the deduction, and then the system will automatically deduct the fee, so the user can rest assured.

2. If there is money in the card, the system does not automatically deduct money or the deduction fails. The overdue of this situation may be caused by the bank. In this case, the user can give feedback to the bank, and the overdue responsibility shall be borne by the bank.