If the cardholder maliciously evades collection or long-term arrears, the bank may call his family to collect the arrears. Details are as follows:

1. Under normal circumstances, calls will only be made to cardholders, not to their families. After all, credit card debt belongs to personal debt, and banks have no obligation to investigate and harass the relatives of cardholders. Therefore, when the cardholder's credit card is overdue, the bank will directly call for payment, so there is generally no need to worry about harassing his relatives.

2. If the cardholder intends to avoid collection and "running away" by changing the address and mobile phone contact information, the bank will call the emergency contact person filled in when the cardholder applies, so as to know the whereabouts of the cardholder and ask them to inform the cardholder to repay the loan as soon as possible.

3. For the spouse of the cardholder, some banks may directly ask them to help return the credit card. After all, according to the marriage law of our country, the property obtained during the marriage relationship belongs to both husband and wife, and correspondingly, the debts generated are also shared.