1. Whether the credit card will automatically deduct money from the bank card after it is overdue depends on the situation:

(1) If it is a credit card or debit card under an individual's name, it is operated and managed independently by different departments although it is in the same institution. If the credit card is overdue for a long time, the bank will also deduct money from the cardholder's savings card in the bank;

(2) If it is the bank card of another bank of the user, it will not be deducted automatically.

2. Legal basis: Article 67 1 of the Civil Code of People's Republic of China (PRC).

If the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 674

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

2. What are the consequences of overdue repayment of credit cards?

The consequences of overdue credit card repayment are as follows:

1, high penalty interest and liquidated damages;

2. Credit damage;

3. being harassed by various means;

4. If the circumstances are serious, it will lead to imprisonment;

5. Affect other lives, become an old lai, affect consumption, travel, children's education, etc.