if the cardholder is in arrears with the credit card debt for a long time, the bank will directly entrust the collection to the collection party, and if the collection is made, it has been fruitless. Then some scare measures will be taken, such as reporting the case to the police station, asking the cardholder to go directly to the police station to cooperate with the investigation, or even directly saying that he will be detained and let him prepare some money.

At present, the credit card departments of many banks will outsource the collection of customers who owe credit cards to collection companies. On the one hand, the collection companies are subject to limited supervision, and on the other hand, the collection methods of collection companies are not radical, such as posing as police "intimidation", swearing at each other, bullying and luring, and exploding address books.