According to Article 7 of the Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, if the collection meets the following conditions at the same time, it shall be deemed as "effective collection" as stipulated in Article 6 of this Interpretation: (1) It is made after the overdraft exceeds the prescribed limit or the prescribed time limit; (2) The collection shall be conducted in a way that can confirm the cardholder's collection, unless the cardholder intentionally evades the collection; (3) The interval between two collections shall be at least thirty days.