The overdue credit card entrusted by the bank means that the bank entrusts a third party to collect the credit card. This kind of behavior is legal and compliant in the Banking Management Law, but in the process of third-party collection, banks have the obligation to supervise. If the third party violates the law in the collection process, the bank shall bear joint and several liability. As we all know, in the past three months, the bank's collection efforts were very low, and most of the bank's collection requirements were more than twice in three months.