Measures for the supervision and administration of credit card business of commercial banks Article 66 The card-issuing bank shall establish a management system for credit card arrears collection, standardize the credit card collection strategy, authority, procedures and methods, and effectively control business risks. The issuing bank shall not adopt a single assessment method based on the amount of arrears recovered for the collection personnel. Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use improper means such as violence, coercion, intimidation or abuse to collect money. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.