; ? Many people think that the consequences of overdue credit cards only affect the credit of cardholders and generate high interest, but they don't know that it will also affect the normal life of cardholders. As far as we know, some banks will call to harass their families if the cardholder fails to collect after the deadline. In the face of telephone harassment by banks, how should cardholders protect their rights and interests? On this issue, we have to analyze it from several aspects. One is to see whether the bank's collection behavior is legal, and the other is how to safeguard its own rights and interests.

1. Is it legal for overdue calls to harass family members? Overdue credit card collection is generally divided into two forms, one is internal collection by the credit card collection department of the bank, and the other is collection entrusted by the bank to a third-party company. However, in either case, legal means must be taken, and legal means do not include improper collection such as violence, coercion, intimidation or abuse. Although it is legal for the bank to recover the arrears from the cardholder or entrust a third-party institution, it is illegal to harass the cardholder's family by telephone. Because according to the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, collection can only be made for the debtor himself and his guarantor, and no third party unrelated to the debt can be collected.

2. What should I do if my family is harassed by overdue phone calls? According to the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, the collection can only be directed at the debtor and his guarantor. When other family members or friends are harassed, they can choose to call the police. That is to say, if your family is harassed by a bank or a third-party collection company outsourced by a bank, and the collection party threatens, intimidates or insults your family on the phone, then you can choose to call the police and protect your rights and interests through law. Of course, you must provide evidence of the other party's violent collection before calling the police. As for how to collect evidence, you can take the initiative to contact each other and record the whole process as evidence. Tell them about their current situation on the phone, and tell them that they are willing to pay back the money. Please ask them not to harass your family by phone, and tell them that the law does not allow violent collection, so that they can completely record each other's tone and related things. Call the police immediately after collecting the evidence, and you can give the collected telephone recordings to the police as evidence and ask the police to impose administrative penalties on the perpetrator. The above is the relevant introduction of "What should I do if my credit card is overdue to harass my family?". In a word, it is illegal to harass family members with overdue phone calls by credit cards. In this case, it is best to take legal measures to protect the rights and interests of family members. Of course, this will ultimately not cure the root cause, and the best solution is to pay off the money immediately after it is overdue.