Whether it is legal to collect overdue credit cards depends on the circumstances. It is legal as long as the repayment is within a reasonable period and within the scope permitted by law, and no improper collection behavior such as violence, coercion, intimidation or abuse is used. If the bank department outsources debt collection to a third party and resorts to means such as breaking into private homes, violence or threats to collect debt, these are not legal and can be dealt with by calling the police.

Legal basis: Article 2 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Commercial banks operating credit card business shall strictly abide by national laws, regulations, rules and relevant policies and regulations, and abide by The principles of equality, voluntariness and good faith.

Only door-to-door collections within the legal provisions are legal. However, the domestic debt collection industry is a mixed bag, and the quality of employees is uneven. It is inevitable that irregular debt collection will occur. In these situations, it is obviously illegal:

1. Collection is harmful to cardholders It is illegal for relatives and family members to come to collect debts. According to the "Regulations on the Supervision and Administration of Credit Cards of Commercial Banks", collection can only be carried out on the debtor himself and his guarantor, and no collection can be carried out on third parties unrelated to the debt.

2. The collector enters the cardholder's home without permission, frightens the elderly and minors at home, and causes commotion.

3. Collectors come to the debtor’s door to beat or intentionally injure them, or use illegal detention, kidnapping, splashing paint, extortion, etc. when collecting debts.

If you encounter violent collection, illegal door-to-door collection, etc., borrowers must also learn to collect relevant evidence and use the law to protect their legitimate rights and interests! !

The following situations may result in door-to-door collections

1. No willingness to repay. Often, some cardholders will lose contact by changing their mobile phone numbers after being pressed for payment by text messages or phone calls. In this case, the possibility of being visited is very high.

2. The overdue time is too long. Generally, if the debt is overdue for more than 3 months and has not been paid off, the bank will see that text message collection and phone collection are ineffective, and the next step may be to arrange door-to-door collection.

3. The amount owed is too much. Door-to-door collection also costs money, so if the debt is a few hundred yuan, or less than 5,000, the bank will usually choose to call for collection. Only when the principal of the debt exceeds tens of thousands of yuan, or even exceeds 50,000 yuan, will the bank refuse to repay. , door-to-door collection is inevitable.