Legal analysis: Relevant laws stipulate that the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from third parties unrelated to the debt, and shall not use violence, coercion, intimidation or abuse, etc. collection practices. The collection process should be recorded, and the recording materials should be kept for at least 2 years for future reference.

Legal basis: Article 68 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks of the People's Republic of China" The card-issuing bank shall collect debts from the debtor himself and his guarantor, and shall not collect debts unrelated to the debt. A third party shall not use violence, coercion, intimidation or abuse and other inappropriate collection behaviors when collecting debts. The collection process should be recorded, and the recording materials should be kept for at least 2 years for future reference.