After your credit card is overdue, if you encounter violent collection or illegal collection, you can complain to the regulatory department. Complaints can be made through the following methods: Complaints to the credit card head office Complaints to the China Banking and Insurance Regulatory Commission Complaints to the Letters and Calls Bureau Complaints to consumer finance complaints Banking Dispute Mediation Center Beijing Bingzheng Center If your credit card is overdue, and the collection staff engages in violence, soft violence, illegal collection, etc., you can file a complaint through Make a complaint in the above way. However, before making a complaint, you must first collect evidence. Complaints without any evidence are malicious complaints and will generally not be accepted by regulatory authorities. Here are a few examples of collection violations: Call a third person in addition to the two reserved emergency contacts and inform the cardholder of the situation. For example, blast the address book, send your credit card debt status to all the contacts in the address book, and ask the other party to help you repay. These harassing phone calls and text messages can be used as evidence when making a complaint. When I release it outside my home without your permission, it scares the elderly at home. During the collection process, there are verbal abuses, insults, and threats to intimidate cardholders. Of course there are many more, so I won’t list them all here. After collecting this evidence, you can complain to the regulatory authorities about illegal collection practices by calling, sending emails, or writing letters. As long as the other party accepts the application, it will investigate. If this situation really exists, the regulatory authorities will require the bank to proactively contact the cardholder to apologize and propose solutions. In addition to accepting illegal collections, these regulatory authorities can also help you negotiate with the bank for installment repayment, which is what we often call suspended interest payments. Of course, you can also complain about banking staff’s bad attitude, handling business emotionally, etc. As long as we are treated unfairly, we can lodge a complaint through the above regulatory authorities. To summarize: after your credit card is overdue, you encounter illegal collections. Complaints and reports can be made to regulatory authorities such as the Credit Card Headquarters, China Banking and Insurance Regulatory Commission, Letters and Calls Bureau, Consumer Finance, Banking Dispute Resolution Center, and Beijing Bingzheng Center. Demand that the collection agency stop illegal collection activities immediately and ask the bank to apologize.