1. The collector calls to threaten or insult the cardholder or the cardholder's relatives and friends, and compiles the cardholder's information into a message and sends it to the group. Cardholders can record phone calls, keep screenshots of short messages, and then complain to the bank, or call the police directly, and hand over the evidence of violent collection to the police for punishment.

2. If there is illegal collection, you can call the banking regulatory bureau to complain at the first time.