Generally, the collection personnel leave work at around seven or eight o'clock, or even later, because after all, the collection is only a kind of work, which is equivalent to the telephone sales model, so it is not certain when they will be able to get off work if their work is not completed, and sometimes they will receive a collection call after ten o'clock in the evening.

if the cardholder maliciously evades the collection or is in arrears for a long time, the bank may call the family to collect the arrears. The details are as follows:

1. Generally, calls will only be made to cardholders, not to their family members. After all, credit card debt belongs to personal debt, and banks have no obligation to pursue and harass the relatives of the cardholders. Therefore, banks call the cardholders directly for dunning when their credit cards are overdue, and generally do not have to worry about harassing their relatives.

2. If the cardholder intentionally avoids the collection and "runs away" by changing the address and mobile phone contact information, the bank will call the emergency contact person filled in when the cardholder applies, so as to know the whereabouts of the cardholder and ask them to tell the cardholder to repay as soon as possible.

3. For the spouse of the cardholder, some banks may directly ask them to help pay back the credit card. After all, according to China's marriage law, the property acquired during the marriage relationship belongs to the husband and wife, and correspondingly, the debts incurred are also borne by the husband and wife.