As long as it is not a violent collection and it is from an informal department, door-to-door collection is legal. The bank's on-site collection of credit card debts is to protect the bank's basic rights and interests, but if it is other credit disputes (not malicious credit card defaults), the public security organs have no right to intervene. For malicious credit card defaults, if the credit card is overdue for more than 2 times, you will be contacted for collection. If you cannot repay in full, it is recommended to repay the minimum payment, but interest will accrue. If you continue to repay overdue, it will not only incur late fees but also seriously affect your personal credit record. Once you have a bad record, you will no longer be able to apply for credit cards and bank loans within 5 years. If the bank fails to pay after repeated reminders, the bank will eventually sue for malicious overdue payment and apply for enforcement. The purpose of collecting loans is to prevent the expiration of the statute of limitations and the loss of the right to win the lawsuit.

Legal basis

Article 675 of the "People's Republic of China and Civil Code"

The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; the lender may urge the borrower to return it within a reasonable period of time.

Warm reminder

The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!

If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.