Yes, under normal circumstances, door-to-door collection is not allowed. If the arrears take a long time, it can be jointly executed by relevant departments or prosecuted by the court according to relevant regulations, but it is recommended to repay the arrears as soon as possible to avoid being sued. Overdue credit card will generate bad credit records, which will affect personal credit and future credit business, such as loans, car loans, mortgages, handling other businesses, etc. Overdue repayment will generate interest and late fees, and if the arrears are too long, it will generate high interest and late fees.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China commits credit card fraud under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan;

(1) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) using an invalid credit card;

(3) fraudulent use of another person's credit card;

(4) malicious overdraft.

Importance of personal credit investigation:

Credit investigation is an indispensable part of modern society, and its importance is reflected in its influence on individuals, banks and society.

1. It affects personal loans, handling credit cards, and finding jobs

If the credit status is good and there is no breach of contract, the application for loans and handling credit cards can be approved by the bank more quickly. Not only that, due to the good credit status, when borrowing, you may get certain discounts on loan interest rate and loan amount.

2. Help banks to make decisions more conveniently

Before credit investigation, it is difficult for banks to fully know the credit status of customers, so they can't make decisions on whether or not to lend and how much to lend quickly and conveniently. After the People's Bank of China organized commercial banks to input the credit information of citizens and enterprises into personal credit files, whenever banks need to make decisions, they can query customers' credit files and make decisions quickly.

3. Promote the social trustworthiness

As credit information will affect personal loans and job hunting, the cost of dishonesty will be higher, thus promoting people to keep their promises and promoting the social trustworthiness.