Legal basis: Article 68 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall collect money from the debtor and its 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 of power to collect money. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.