people who owe money to their credit cards are generally not wanted. Debts are generally civil disputes, and borrowers will be urged to repay in time. If the borrower is overdue, the bank can use telephone, collection letter, etc. to collect the borrower and ask the borrower to pay overdue interest.

Legal basis

Article 67 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

The card-issuing bank shall promptly remind the cardholder of the overdraft amount and repayment date that will soon expire. Unless the cardholder provides false information or changes the contact information without notifying the issuing bank.

article 68

the card-issuing bank shall collect the debtor himself and his guarantor, and shall not collect the money from a third party unrelated to the debt, and shall not use violence, coercion, intimidation or abuse to collect the money improperly. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

article 69

a credit card collection letter shall fully disclose the following basic information to the cardholder: the cardholder's name and balance in arrears, the reasons for collection and relevant laws and regulations, the relevant rights and obligations of the cardholder, the ways to inquire about the account status, repayment, objection and provide relevant evidence, the contact information of the issuing bank, the official seal of relevant business and other contents stipulated by the regulatory authorities. Upon receipt of the cardholder's objection to the credit card collection, the issuing bank shall make comments on the relevant credit card accounts in a timely manner and carry out verification and handling.