It's legal to collect overdue credit cards at home if you just ask the cardholder for information and negotiate. However, if the door-to-door collection personnel use relevant violence and threaten by words or practical actions, then the collection personnel may commit crimes such as illegal invasion of houses and intentional injury.

Debt collection companies entrusted by banks are basically formal collection, and door-to-door collection is a kind of urging behavior aimed at making cardholders repay, which is a legal behavior. It is illegal only when the other party has acts such as violent collection. It is one thing for the cardholder not to repay the loan, and it is another thing for the other party to use violence and coercion.

when the bank staff comes to collect overdue credit cards, the cardholder can treat the other party well, explain the reasons why he can't repay them for the time being, and provide the corresponding proof. For example, poverty proof materials, recent evidence of illness, etc. Until the bank personnel know the relevant situation, the cardholder can negotiate with them to see if they can sign a personalized repayment agreement, so as to avoid certain interest and handling fees. This will not only facilitate the cardholder's repayment, reduce the repayment pressure, but also facilitate the bank to recover the relevant arrears and reduce the "bad debts".

if the collection personnel are not allowed to enter the cardholder's home, or the cardholder's relatives and friends' homes, and threaten to beat the elderly, minors and himself at home, the cardholder can call the police immediately.