The subject wants to ask, "Is it normal for China Merchants Credit Card to entrust a local third party in Hainan to collect money at home?" Normal. After the customer's overdue repayment, the bank will collect it by phone or SMS. If the customer still fails to repay, the bank will entrust a third party to collect it at home. The collector may be required to produce relevant certificates and supporting documents to confirm the legality of his identity. At the same time, you can also communicate with the bank to understand the collection process and authorization, so as to better deal with the collection action.