? After the credit card expires, banks will make dunning, but most banks will outsource the dunning business to a third party. Nowadays, many third-party platforms are of low quality and always use threats of violence, such as swearing, making crazy phone calls, exposing cardholders' private information, and even blasting communication. What should we do?

What if the credit card is maliciously dunned? You can report the malicious or violent dunning of credit cards, record or take photos in time, keep evidence, report to the banking regulatory bureau, the police and other institutions, or make complaints on the complaint platform. However, experience shows that the police will not accept simple dunning, and will manage it if there are violent dunning behaviors such as illegal detention, slander and abuse, and physical conflict.

If the violent collection by the collector infringes on the cardholder's privacy and reputation rights, such as sending a mass address book, posting rumors, etc., the cardholder can retain evidence to sue in court, safeguard his legitimate rights and interests through legal means, and at the same time, he can ask the collector to compensate himself.

After the credit card is overdue, I have the money to repay it on time, but I have no money to repay it. I took the initiative to contact the issuing bank to negotiate repayment, which was forgiven by the bank. The bank will solve the problem of dunning.