1. The issuing bank shall collect debts from the debtor himself and his guarantor, shall not collect debts from any third party, and shall not use improper means such as violence, coercion, intimidation or abuse to collect debts. The collection process should be recorded, and the record materials should be kept for at least 2 years for future reference; 2. Under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the card issuer can be equal to the cardholder. Negotiate and reach a personalized installment repayment agreement. The maximum term of the personalized installment repayment agreement shall not exceed 5 years.