You can call the police for collection text messages and harassment.

1. If the cardholder’s credit card is overdue within 3 months, bank staff will collect the loan over the phone. If the loan amount is large, they will come to the door to collect the loan, but the collection should be done in a civilized and legal manner. If the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and fails to return the card for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" under criminal provisions.

2. Any of the following circumstances shall be deemed as "illegal possession for the purpose" under criminal provisions:

(1) Overdrafting a large amount of money while knowing that there is no ability to repay, and unable to Returned;

(2) Spending the overdraft funds wantonly and unable to return them;

(3) Evading after overdraft, changing contact information, and evading bank collection;

(4) Escape and transfer funds, conceal property, and evade repayment;

(5) Use overdraft funds to carry out illegal and criminal activities;

(6) Others The act of illegally possessing funds and refusing to return them.

3. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as "large amount". If the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "huge amount". If the amount is more than 1 million yuan, it shall be deemed as “especially huge amount”. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or that has not yet been returned. Excludes compound interest, late fees, handling fees and other fees charged by the card-issuing bank. Malicious overdrafts should be investigated for criminal liability, but if all overdrafts and interests have been repaid after the public security organ files the case and before the people's court makes a judgment, they may be given a lighter punishment. If the circumstances are minor, they may be exempted from punishment. If the malicious overdraft amount is relatively large and all the overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, criminal liability may not be pursued in accordance with the law.

Legal basis:

Article 42 of the "Public Security Administration Punishment Law" stipulates that anyone who commits any of the following acts shall be detained for not more than five days or fined not more than 500 yuan; For more serious cases, he shall be detained for not less than five days but not more than ten days, and may also be fined not more than five hundred yuan:

(1) Writing threatening letters or threatening the personal safety of others by other means;

(3) Fabricating facts to frame others in an attempt to subject others to criminal prosecution or public security management penalties;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) Repeatedly sending obscene, insulting, threatening or other messages to interfere with the normal life of others;< /p>

(6) Peeping, photographing, eavesdropping, or disseminating other people’s privacy.