1. The bank's home collection of credit card arrears is to safeguard the bank's own basic rights and interests, but if it is other credit disputes (not malicious credit card arrears), the public security organs have no right to intervene;
2. If the credit card is in bad faith, it will be collected at home if it is overdue for more than 2 times. If it cannot be repaid in full, it is recommended to repay with the minimum repayment amount, but interest will be generated. If the repayment has been overdue, it will not only cause late payment fees, but also seriously affect personal credit records. Once there is a bad record, you can't apply for credit cards and bank loans for five years. After repeated dunning by the bank, if it fails to repay, the bank will finally sue for malicious overdue repayment and apply for enforcement. The purpose of collecting loans is to prevent the termination of the limitation of action, thus losing the right to win the lawsuit.
Legal basis: Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks
Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.
The contents of personalized installment repayment agreement shall at least include:
(1) the balance, structure and currency of arrears;
(2) repayment period, method, currency, date and repayment amount in each installment;
(3) whether the annual fee, interest and other expenses are collected during the repayment period;
(4) the cardholder shall not apply for a credit card commitment from any bank before all the relevant funds in the personalized installment repayment agreement have been settled;
(5) rights and obligations of both parties and liabilities for breach of contract;
(6) Other matters related to repayment.
if both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, unless the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Recording materials shall be kept at least until the date of settlement of arrears.