We all have a mentality that a person holding credit card of any bank with a due in it cannot open an account on the same bank. We may also think about a situation where someone is having a credit card of a bank with a due in it and he opens a account on the same bank, then the bank may deduct the due amount from your existing bank account or your newly opened account of the same bank.
Normally this thing will not happen as both Credit Card and Bank Account are two different channels and they have separate operations. So opening a new bank account on a bank will not be effected if he is holding a credit card of the same bank with a due amount on it.
A bank cannot debit your account for your credit card charges without your permission. A bank can only debit the credit card outstanding from your account if you have activated auto debit facility for it. For more detail you can watch the video.
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