China Banking and Insurance Regulatory Commission allows banks to entrust three parties to collect money, and under appropriate conditions, it is also allowed to call emergency contacts, but it must be regulated. First: Unless the debtor has lost contact for many times, credit card collection has no right to call his family, and he can only call the reserved emergency contact number and the incoming family number, such as parents and partners. Second: credit card collection, calling to inform family members, the emergency contact person left by the debtor when applying for a credit card, and the corresponding tripartite contact person. Content of collection: Three-party collection is not allowed to collect the third party unrelated to the debt, but only plays the role of informing. Please ask the third party to inform the debtor to answer the phone, etc., and it is not allowed to clearly inform the debtor of the debt information. Third: in the process of collection, abuse and insult are generated, and the third party is clearly informed of the debt situation of the debtor and asked to be responsible for the debt. It has caused collection troubles to the third party, long-term telephone or text message harassment, etc. This collection behavior affects the lives and work of innocent people and is illegal.

Legal basis:

Article 68 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks, the card-issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper collection behaviors such as violence, coercion, intimidation or abuse. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.