Basic steps of credit card collection: 1. In the face of collection cases, the collection personnel must first sort out and classify themselves, be familiar with the overall situation of the case and the basic information of the debtor, and be aware of it. 2. At the beginning of collection, the general call sequence is the line unit phone, then the home phone, and finally my mobile phone; When you can't contact these, you will ask the contact person (or relatives/units) to implement the situation and tell the debtor to repay through the contact person. 3. If the debtor can't be found by the above methods, the debtor can be found on the website (or 1 14) through the information in the case database, or inquired by mobile phone or fixed telephone. 4. If the debtor cannot be found through the above methods, the company will send foreign personnel to the door and bring back the required information for convenient collection; In addition, foreign visitors play a great role in the collection process, so it can be said that the success or failure of the collection lies with foreign visitors. 5. Understand the debtor's information, and send a collection letter and a lawyer's letter to his family and work unit in turn to inform him of the arrears. 6. In the process of collection, the field staff will be responsible for sending letters, collecting at home, and implementing the debtor's information on the spot, mainly to put pressure on the debtor. Article 680 of the Civil Code prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free. Legal basis: The General Principles of the Civil Law of People's Republic of China (PRC) refers to the specific rights and obligations between the parties according to the contract or the law. Creditors are creditors and debtors are debtors. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.