Legal analysis: Bank credit card non-performing assets can be transferred. Bad debts are creditor's rights and can be transferred in accordance with the law. A creditor may transfer all or part of its creditor's rights to a third party, but must notify the debtor. If the debtor is not notified, the transfer will not be effective against the debtor.

Legal basis: "People's Republic of China and Civil Code"

Article 545: A creditor may transfer all or part of its creditor's rights to a third party, but Except for one of the following circumstances:

(1) According to the nature of the creditor's right, it shall not be transferred;

(2) According to the agreement of the parties, it shall not be transferred;

(3) According to the Not transferable by law.

If the parties agree that non-monetary claims may not be transferred, they may not fight against a bona fide third party. If the parties agree that the monetary claim shall not be transferred, they shall not fight against a third party.

Article 546: If a creditor transfers his creditor's rights without notifying the debtor, the transfer shall not be effective against the debtor. The notice of transfer of creditor's rights shall not be revoked except with the consent of the transferee.