我们仍然必须处理我们的银行扣款和退款？
Will we still have to deal with our bank on chargebacks and refunds?
我国通说认为，银行扣款还贷是根据《合同法》的规定行使抵销权，包括法定抵销权和约定抵销权。
There are also introduction about banker's right of setoff in common law and civil law, which are used to improve that in China.
有的借款人与银行签订委托扣款协议，采用储蓄卡还款。
Some borrowers and Banks signed agreements with retention amount, using savings CARDS repayment.
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