In the face of customer arrears, according to the Measures for the Administration of Bank Card Business and the contract between the bank and the customer, the bank can recover by calling, door-to-door dunning, default interest and legal proceedings. Due to the collection of personal credit card arrears and scattered documents, the amount involved is usually small but large, and most domestic banks have not set up special debt collection departments. Therefore, it is likely that some banks will adopt outsourcing measures.

Extended data:

Article 13 of the Notice on Further Regulating Credit Card Business (hereinafter referred to as the Notice-Reporter's Note) No.60 Document of CBRC (2009):

Banking financial institutions should prudently implement collection outsourcing. "The selected collection outsourcing agency shall be examined and approved by the senior management of its domestic headquarters, and sign a collection outsourcing contract with perfect management and clear responsibilities.

There is no original sin in third-party debt collection, but it is more valuable to ensure that the collection institutions, means and methods are legal, and how to refine the relevant bank regulations and eliminate the above hidden dangers.

China Youth Daily-The outsourcing of bank debt collection is not illegal but risky.