No.

Credit card loan itself is not a collection platform. It may refer to loan services or products related to credit cards. However, when it comes to credit card overdue collection, a specialized collection company or team may be involved. These collection companies or teams usually carry out collection work through phone calls, emails, door-to-door visits, etc. If a credit card is overdue for more than a certain period of time (such as 90 days), the collection company may take further measures, such as reporting the case to the local public security bureau in the name of credit fraud. In some cases, if the credit card overdraft limit exceeds a certain amount (such as 10,000 yuan), a case may be filed directly, which may involve freezing real estate, bank deposits and other measures.