It's true. After the credit card is overdue, when you communicate with the collector many times and emphasize that you are willing to repay but have no financial ability, the collector will inform you that the bank has a debt reduction and settlement certificate at an appropriate time. When signing an entrustment agreement with a third-party collection company, the general bank will emphasize the policy of not allowing the collector to take the initiative to inform the debtor of debt reduction and repayment.