if the bank's reminder calls the emergency contact number filled in by the cardholder when applying for a credit card, it is legal as long as it does not cause harassment. In China Banking and Insurance Regulatory Commission, banks are allowed to entrust three parties to collect money, and under appropriate conditions, they are also allowed to call emergency contacts, but management must be standardized. However, if the other party keeps calling to harass his family, it is a violent collection. You can call the police or consider complaining to relevant departments, such as China Internet Finance Association and China Banking Regulatory Commission.

anyone who commits one of the following acts shall be detained for not more than 5 days or fined for not more than 5 yuan; If the circumstances are serious, he shall be detained for more than 5 days and less than 1 days, and may also be fined as follows by 5 yuan: (1) writing threatening letters or threatening the personal safety of others by other means;

(2) publicly insulting others or fabricating facts to slander others;

(3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or punishment by public security administration;

(4) threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) sending obscene, insulting, threatening or other information for many times, which interferes with the normal life of others.

1. What should we do after the credit card is overdue?

1. If there is an overdue situation when using the credit card. But we didn't receive a phone call from the bank, just a short message from the bank or an email about deposit. At this time, I need to call the bank at the first time to explain why, and what I need to do at the same time is to return the money to the bank in time. Only in this way, there will be no bad records in the credit investigation.

2. In another case, the overdue time is not more than 3 months, and during this period, I also received various collection calls from banks or collection companies. However, the credit card used has not been frozen. What needs to be done at this time is to contact the bank actively. Express the willingness to repay in communication. If you can repay in full, you will pay back in full. If you can't, you will arrange with the bank to repay in installments and return the money you owe to the bank on time every month.

3. In addition, in terms of overdue time and more than three months, the bank card is also frozen at this time. Interest will be generated at this time. We should never change the number on our own initiative. We need to call the bank at the first time to explain something. Mainly shows that he is not malicious default, because what kind of reasons caused the overdue. At the same time, it is necessary to agree with the bank on the length and amount of repayment, and it is best to make timely repayment within the range that you can bear.

2. What will happen after the credit card is overdue?

1. Usually, after the credit card is overdue, the bank will remind you by phone, text message or email, so that you can make repayment within the specified time range.

2. At the same time, there will be some late fees, interest, over-limit fees and so on after overdue.

3. You will also have a bad credit record. If you take out a loan to buy a house or a car in the later stage, it will be greatly affected. This means that the bank has "broken off" with you and is no longer a trusted partner.

4. There may be calls from dunning companies and various dunning methods.

5. The most serious thing is that you will receive a letter from a lawyer, and you may face a lawsuit and jail at the same time.

In order to recover the arrears, some organizations will take some actions that do not meet the legal requirements. Then we have suffered such actions, and we can take some measures to safeguard our legitimate rights and interests.

Legal basis

Article 42 of the Law of the People's Republic of China on Public Security Administration Punishment

Anyone who commits one of the following acts shall be detained for not more than 5 days or fined for not more than 5 yuan; If the circumstances are serious, he shall be detained for more than 5 days and less than 1 days, and may also be fined as follows by 5 yuan: (1) writing threatening letters or threatening the personal safety of others by other means;

(2) publicly insulting others or fabricating facts to slander others;

(3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or punishment by public security administration;

(4) threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) sending obscene, insulting, threatening or other information for many times, which interferes with the normal life of others.