The bank's door-to-door collection of credit card arrears is to safeguard the bank's own basic rights and interests, but if it is other credit disputes (not malicious credit card arrears), the public security organs have no right to intervene.

In the case of malicious breach of credit card, if it is overdue for more than 2 times, it is necessary to collect it at home. If you can't repay in full, it is recommended to repay the minimum amount, but it will generate interest.

If the repayment is overdue, it will not only cause late payment fees, but also seriously affect your personal credit history. Once you have a bad record, you can't apply for credit cards and bank loans for five years.

If you still don't repay after repeated reminders from the bank, the bank will eventually sue you for malicious overdue repayment and apply for enforcement.