Legal analysis: If there is a collection agency cooperating with the bank in the user's place, it is not excluded that the collection agency will collect money at the user's residence and workplace. If there is no bank cooperative collection agency in the user's location, then there will be no door-to-door collection, and the bank will only send text messages and call for collection. Generally speaking, the bank will not collect the money owed to the credit card until it is paid back.

On the one hand, because of the high cost of door-to-door collection, on the other hand, because it may involve violent collection, banks generally do not collect offline.

Legal basis: Article 242nd of the Civil Procedure Law of People's Republic of China (PRC), if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform. When the people's court decides to seal up, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, which the relevant units must handle.