In principle, there are several stages for banks to recover credit cards. In the first three months, it was basically a telephone collection. After three months, according to the amount, either continue to collect money, or the legal department will intervene to take the debtor to court, or directly record it in bad debts.

In fact, few banks entrust credit card debt collection to third-party companies. Because many third-party companies will have some illegal collection methods.

If the debtor is hurt in the process of collection, the bank should also bear certain responsibilities.