It is illegal to harass family members with credit card collections. If the other party keeps calling and harassing your family, it is considered a violent collection and you can call the police. However, if the other party only calls to collect, you can also consider complaining to relevant departments, such as the China Internet Finance Association, China Banking Regulatory Commission, etc., which may be more appropriate than calling the police.

If the credit card is overdue when using it. But we did not receive a call from the bank, only a text message or deposit email from the bank. At this time, I need to call the bank as soon as possible to explain the reason. At the same time, what I need to do is return the money to the bank in time. Only in this way will there be no bad records on your credit report.

The credit card has been overdue for no more than 3 months. During this period, I also received various collection calls from banks or collection companies. However, the credit card used has not been frozen. All you need to do at this time is to contact the bank proactively. Express your willingness to repay in the communication. If you can repay the full amount, repay it in full. If not, make arrangements with the bank for installment repayment, and return the money owed to the bank on time every month.

In addition, in terms of overdue time and more than three months, the bank card is also frozen at this time. Interest will accrue at this time. We must not take the initiative to change the number. We need to call the bank to explain the situation as soon as possible. The main thing is to show that you are not maliciously defaulting, and what are the reasons for the overdue payment. At the same time, you should agree on the repayment time and amount with the bank. It is best to make timely repayment within the range that you can afford.

Legal Basis

Article 676 of the "People's Republic of China and Civil Code": If the borrower fails to repay the loan within the agreed time limit, the borrower shall be liable in accordance with the agreement or the state Relevant provisions require the payment of overdue interest.

Article 678 of the "People's Republic of China and Civil Code": The borrower may apply to the lender for an extension before the expiration of the repayment period;

The lender agrees Yes, it can be extended.

Article 667 of the "People's Republic of China and Civil Code": A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due.