Hello, it is legal for debt collectors to come to collect debts, but you do not need to tell your registered address or residential address on the phone. If you really get a credit card collection notice, try to negotiate with them as early as possible, explain the reason for your overdue payment, and express your willingness to repay. In order to collect debts that are overdue for more than 3 months, banks will usually entrust a third party to collect the debts. Some will also call the debtors and tell them to go to their hometown community or neighborhood committee to investigate, visit their work or home, and verify the situation. wait. This is a normal procedure for bank collection after a credit card is overdue, but each bank and each region, including the collection companies that banks cooperate with, have different procedures for visiting. The procedures for credit card collectors to come to your door are also strict. There must be at least two people, and the whole process is audio and video recorded. No disturbing behavior is allowed, and no threatening, insulting or sarcastic words can be used in conversations. It is reasonable for collection agents to come to your door, but they must not affect the debtor's life. Of course, door-to-door collection is legal only if it falls within the legal provisions. 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. When encountering these situations, it is obviously illegal. If you encounter unreasonable troubles and endanger the safety of your family, you can choose to call the police. 1. It is illegal to collect money from the cardholder’s relatives and family members. 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. Beating the debtor, intentionally causing injury or other acts, or being illegally detained, kidnapped, splashed with paint, extorted and other methods during debt collection. These are illegal. If you encounter violent collection, illegal door-to-door collection, etc., cardholders must also learn to collect relevant evidence and use the law to protect their legitimate rights and interests! Finally, it is recommended that if there is an overdue payment, you still need to repay the overdue amount and actively adjust mentality, strive to increase income, actively communicate with the bank, formulate a reasonable repayment plan, and return the debt in a timely manner. I hope my answer can help you