Legal analysis: The creditor sends an overdue loan collection notice to the guarantor by express mail through the post office. If the creditor can provide the stub and content of the express mail, unless the guarantor has contrary evidence to overturn the information provided by the creditor, Based on the evidence, it should be determined that the creditor has claimed rights against the guarantor.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 66 Card-issuing banks shall establish a credit card debt collection management system, standardize credit card collection strategies, authorities, processes and methods, and effectively control business risks .