Arrears are difficult to recover and should be collected through legal, compliant and civilized methods such as legal proceedings and inclusion in credit records, instead of outsourcing the arrears to third-party companies for harassment, threats, intimidation and other illegal a

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From a fundamental point of view, the " bad debts " caused by the difficulty in recovering credit card debts are the risks that banks should bear when "indiscriminately issuing" credit cards. The more "bad debts" the bank has to repay users when handling credit cards. The more capabilities and risk assessments are insufficient or even missing...

Banks should review the existing problems from the source of credit card user risk assessment and whether they can bear the risks caused by the problems? If it cannot be borne, measures should be taken to reduce the risk from the risk assessment process of card users, instead of simply collecting money in a suspected illegal and violent way to reduce the risk...

Otherwise, the bank's economic bad debts may be settled, and the user and his family members Who should heal the physical and mental injuries or frights, as well as the insecurity in life...

" Civil Code of the People's Republic of China "

Article 111 The personal information of natural persons is protected by law Protect. Any organization or individual that needs to obtain other people's personal information must obtain it in accordance with the law and ensure the security of the information. It must not illegally collect, use, process, or transmit other people's personal information, and must not illegally buy, sell, provide, or disclose other people's personal information.