Legal analysis: In fact, this is just a means of collection. It puts pressure on the card holder and makes the card holder afraid, so as to achieve the purpose of collection. It is normal for people with large amounts to come to your door, but it is also normal for them to come to your door. There is no need to worry too much. In a society governed by law, collection collection will not be random. If the credit card debt is less than 50,000, it is an ordinary civil credit card dispute. Therefore, if this happens, the cardholder only needs to reasonably communicate with the debt collector or the bank. If the cardholder answers the corresponding debt collection call after the overdue date, and has the corresponding repayment behavior, then the risk of facing prosecution is very small. At most, you will face the pressure of collection and the trouble of visiting to understand the situation. According to relevant regulations, if it is confirmed that the cardholder's credit card debt exceeds the cardholder's repayment ability, he or she can negotiate with the bank for repayment in installments. After reaching an agreement, you only need to repay the amount on time according to the negotiated amount, and there will be no further repayment. Interest liquidated damages will be generated, and collections will also be stopped to avoid the risk of prosecution caused by overdue payment.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) Using a forged credit card, or using a false identity certificate to defraud someone. (2) Using an expired credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.