Legal analysis: It is not illegal for banks to outsource credit card collection services, but if a third-party collection company uses violent collection methods, it is an illegal act and the bank must bear joint liability.

Legal basis: "Notice of the China Banking Regulatory Commission on Further Regulating the Credit Card Business" Article 13 Banking financial institutions should prudently implement collection outsourcing. Banking financial institutions that implement collection outsourcing should establish corresponding business management systems and clarify the selection criteria, business training, legal responsibilities, and economic responsibilities of collection outsourcing agencies. The selected collection outsourcing agencies should be reviewed by the senior management of the institution's domestic headquarters. Approval and sign a well-managed collection outsourcing contract with clear responsibilities. Commissions shall not be paid simply based on commissions on the amount of debt recovered.