As long as there is a credit card debt, the bank will pursue it and ask the debtor to repay the credit card debt through dunning and prosecution. Banks shall not use violence, coercion, intimidation or abuse in collection.

According to Article 67 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the card-issuing bank shall promptly remind the cardholder of the overdraft amount due and the repayment date. Unless the cardholder provides false information or changes the contact information without notifying the issuing bank.

Article 68 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.

Extended data:

Measures for the supervision and administration of credit card business of commercial banks Article 92 Commercial banks shall implement classified management of credit card risk assets, and the classification criteria are as follows:

(1) Normal category: the cardholder can fully repay the payables before the due repayment date (inclusive) according to the repayment rules agreed in advance.

(2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive).

(3) Sub-category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive).

(4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive).

(V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days.

China Government Network-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks