Legal analysis: As long as it is not a violent collection, and it is in the informal sector, collection at home is legal. The bank's door-to-door collection of credit card arrears is to safeguard the bank's own basic rights and interests, but if it is other credit disputes (not malicious credit card arrears), the public security organs have no right to intervene. In the case of malicious breach of credit card, if it is overdue for more than 2 times, it is necessary to collect it at home. If you can't repay in full, it is recommended to repay the minimum amount, but it will generate interest. If the repayment is overdue, it will not only cause late payment fees, but also seriously affect your personal credit history. Once you have a bad record, you can't apply for credit cards and bank loans for five years. After repeated dunning by the bank, the bank will eventually sue for malicious overdue repayment and apply for enforcement. The purpose of loan collection is to prevent the limitation of action from ending, thus losing the right to win the lawsuit.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.