It is the dunner, and there is no legal support for such an investigation team.

The so-called investigation team usually refers to the dunner (here, the dunner is usually unsuccessful in contact with the bank, and most of them will be handed over to a third party), but there have been cases of door-to-door dunning. For example, Everbright will really make a door-to-door dunning.

Generally, if a credit card fails to repay more than three times, you can apply for a credit card or a loan, but the amount is small, but the interest rate is high; Overdue repayment for more than 6 times or one overdue repayment will be listed in the "blacklist", and credit cards and loans will not be available within 5 years.

Pay attention to the use of credit cards

Malicious overdraft: If the cardholder overdraws beyond the specified limit or within the specified period for the purpose of illegal possession, and fails to return it for more than three months after the card-issuing bank makes two reminders, it will be regarded as "malicious overdraft".

criminal offence: according to the criminal law, maliciously overdrawing a credit card for more than 5, yuan constitutes the crime of credit card fraud, and may be sentenced to fixed-term imprisonment of less than 3 years; Malicious overdraft between 5, yuan and 2, yuan is a huge amount and may be sentenced to 5 to 1 years in prison; More than 2, yuan is a large amount, and the sentence is over 1 years.