Debt collection companies entrusted by banks are basically formal collection, and door-to-door collection is a kind of urging behavior aimed at making cardholders repay, which is legal. It is illegal only when the other party has violent collection and other acts. It is one thing for the cardholder not to repay, and it is another thing for the other party to use violence and coercion.
If the bank staff comes to collect overdue credit cards, the cardholder can be kind to the other party, explain to the other party the reasons why he can't repay the loan temporarily, and provide corresponding proof. Such as poverty proof materials, recent illness proof, etc. Until the bank staff understand the relevant situation, the cardholder will negotiate with them to see if it is possible to sign a personalized repayment agreement to avoid certain interest and handling fees. This will not only facilitate the cardholder's repayment, reduce the repayment pressure, but also facilitate the bank to recover the relevant arrears and reduce the "bad debts".
If the collection personnel are not allowed to enter the cardholder's home or the home of the cardholder's relatives and friends, and threaten to beat the elderly, minors and themselves at home, the cardholder can call the police immediately.