If the bank collection officer calls the emergency contact number that the cardholder filled in when applying for a credit card, it is legal as long as it does not cause harassment. If the bank collection officer calls other relatives and friends of the cardholder, phone number, it is illegal.

When we apply for a credit card, we must fill in the emergency contact person. There are two emergency contacts, one is a relative and the other is a friend. Once the cardholder is seriously in arrears, the bank will A person will definitely contact relatives, but generally will not contact the cardholder’s friends. As long as the cardholder avoids collection and the bank contacts the family members to no avail, it will contact the cardholder’s friends. The bank contacts the relatives only because it knows that the cardholder I am no longer able to repay the outstanding balance and want to tell the cardholder’s relatives about the current situation of the cardholder and the serious consequences of defaulting on the credit card

The bank’s collection staff will usually only tell the cardholder’s family members to let them know. Urge the cardholder to repay or ask the cardholder's relatives to persuade the cardholder to repay as soon as possible, instead of directly urging the cardholder's relatives. Although the bank can call the emergency contact person to inform the cardholder's relatives, the bank If you call every day, it is illegal.

When the bank calls the cardholder's relatives, it means that the cardholder has already owed a lot of money, and the bank will only call after multiple collections have failed. Informing the relatives of the card holder is a very effective way. Many of my friends have defaulted on their credit cards. In the end, after the bank called the relatives, the relatives helped them repay the loan. Therefore, the bank The cardholder must contact the cardholder's relatives if the collection fails. This is a common collection method used by banks.

What should you do when your credit card is overdue?

1. The bank expresses its willingness to repay:

When your credit card is overdue, you must not ignore it.

2. Make sure the call is open:

Bank staff will continue to contact you after the due date, but do not deliberately avoid these calls. After answering the phone, you should promptly explain your willingness to repay and your current financial pressure, and ask for a grace date.

3. Suspension of interest payments:

If the cardholder is overdue when using his credit card and cannot repay the amount required by the bank, he can apply to the bank for an extension or suspension of interest payments. Policy, sign a personalized installment agreement, and repay the agreed amount every month, allowing cardholders to return to normal life, stop calculating penalty interest, and stop collecting collections.