Illegal. The personal information of natural persons is protected by law. Collection agents have no right to investigate our personal information, and they do not have the right to enforce the law. Therefore, it is illegal for debt collectors to contact the village committee to investigate the borrower's information, and the village committee has the right to refuse. During the collection process, many debtors have encountered debt collection and directly called the village committee. They even went directly to the village committee for collection when no one was at home. Moreover, during the actual collection process, banks and other institutions often mail collection notices to the village committee, or village committee personnel assist in visiting the debtor's registered residence. Therefore, it is recommended to actively handle the repayment of debts. question.

1. Will my family members be affected if my credit card is overdue and I cannot be contacted?

1. Overdue payment will not affect the cardholder’s family. The law stipulates that whether it is collection or overdue payment, the cardholder’s family and friends should not be disturbed. If this happens, the cardholder’s family and friends should not be disturbed. You can file a complaint against the bank or a third party for collection.

2. When the bank has made three valid reminders and the cardholder still fails to repay the loan two months overdue, the bank has the right to file a lawsuit, even if the cardholder cannot be contacted at this time. Banks also only claim the amount owed from the cardholder and not from their relatives.

3. Even so, when a personal credit record is seriously overdue, it will also have a certain impact on the family. The cardholder’s spouse will have difficulty getting a loan, and the children’s school choice and study abroad will also be negatively affected.

2. What should I do if my credit card repayment is overdue?

1. Continue to use

After the expiration date, the best way is to continue to use this card and cover the original negative record with a new normal repayment record. Generally, it will Generate a new credit record so that personal credit, etc., will not be affected after the record is refreshed. If you are overdue for a long time, your credit card will accrue interest and there will be high late payment fees. If you run away, the bank will think that you have maliciously overdrafted and will call the police.

2. Apply for delayed repayment

If you are unable to repay on time due to unemployment or illness, before the final repayment deadline arrives, state your financial situation and declare that you do not owe money maliciously. , you can apply for delayed repayment and interest discounts.

3. Timely repayment in full

If you forget to repay due to carelessness, you must repay in full as soon as possible after discovering that it is overdue, preferably in full, because repayment in full is required. After making the payment, call the bank to explain that the debt is not malicious and request that the overdue record be eliminated. You have the best chance of winning.

Legal basis:

"Public Security Administration Punishment Law of the People's Republic of China"

Article 42

Yes Anyone who commits any of the following acts shall be detained for not more than five days or fined not more than five hundred yuan; if the circumstances are more serious, he shall be detained for not less than five days but not more than ten days, and may also be fined not more than five hundred yuan:

(1) ) Writing threatening letters or threatening the personal safety of others in other ways;

(2) Blatantly insulting others or fabricating facts to slander others;

(3) Fabricating facts to frame others, Attempting to subject others to criminal prosecution or public security management penalties;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) Sending obscene, insulting, threatening or other information multiple times to interfere with the normal life of others;

(6) Peeping, secretly filming, eavesdropping, or spreading other people's privacy. "