Legal analysis: After a credit card is overdue, the bank has the right to recover the debt from the cardholder. However, in practice, many overdue persons choose to ignore the bank’s collection. In order to save the cost of prosecution, the bank will Outsourcing collection to a third party is a legally authorized agent. It is legal for a third party entrusted by the bank to come to collect debts as long as it is within the scope permitted by law and does not use violence, coercion, abuse or other illegal behaviors to collect debts. Once the debt collection party engages in violent debt collection and other behaviors, the parties concerned can call the police directly.

Legal basis: Article 42 of the "Public Security Administration Punishment Law of the People's Republic of China" Whoever commits any of the following acts shall be detained for not more than five days or fined not more than 500 yuan; if the circumstances are more serious, , shall be detained for not less than five days but not more than ten days, and may also be fined not more than five hundred yuan: (1) Those who write threatening letters or use other methods to threaten the personal safety of others; (2) Those who openly insult others or fabricate facts to slander others; ( 3) Fabricating facts and making false accusations to frame others in an attempt to subject others to criminal prosecution or public security penalties; (4) Threatening, insulting, beating or retaliating against witnesses and their close relatives; (5) Repeatedly sending obscene, insulting messages , threats or other information that interferes with the normal life of others; (6) Peeping, filming, eavesdropping, or spreading other people's privacy.