legal. The credit card collection business of commercial banks can entrust a third-party agency to collect credit cards. The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks promulgated by China Banking Regulatory Commission stipulates that the issuing bank shall not outsource the core business of credit card issuance and marketing, contract signing, credit approval, transaction monitoring and fund settlement to a third party. However, the credit card collection business is not restrictive and legal, including necessary measures such as reporting the case on behalf of others. It can be said that it is legal for a bank to contract this part of its business to a collection company or a debt collection company. After the credit card is overdue, the bank has the right to recover the debt from the cardholder, but in life, many old people directly ignore the bank's collection. In order to save the cost of prosecution, the bank will outsource the collection to a third party, which is a legal authorized agency relationship. As long as the third party does not use improper collection behaviors such as violence, coercion, intimidation or abuse within the scope permitted by law, it is also a legal collection.

dunning companies are legal as long as they are established according to law. When dunning debts, dunning companies must abide by the law and must not collect debts by violence. If the person who is injured by violence is sentenced according to the law, violent debt collection may constitute the crime of illegal detention.

Legal basis:

Article 238 of the Criminal Law of the People's Republic of China

Whoever illegally detains another person or illegally deprives another person of his personal freedom by other means shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention, public surveillance or deprivation of political rights. Whoever has the circumstances of beating or insulting shall be given a heavier punishment.

whoever commits the crime mentioned in the preceding paragraph and causes serious injuries shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years; Whoever causes death shall be sentenced to fixed-term imprisonment of not less than ten years. Whoever uses violence to cause disability or death shall be convicted and punished in accordance with the provisions of Articles 234 and 232 of this Law.

article 24 of the measures for the supervision and administration of credit card business of commercial banks

a commercial bank shall conduct an independent safety assessment by an internal specialized institution or entrust other professional institutions. The safety assessment report shall at least include the examination and approval of the board of directors or the senior management of the head office (head office) on the credit card business risk management system construction and related rules and regulations, the setting of protection measures for information in all business links, the process design of continuous monitoring, recording, tracking and early warning of abnormal business behaviors (including intrusion accidents or system loopholes), the setting of safety measures for plug-in systems or external access systems, and the evaluation period.