Legal analysis: The bank entrusts the collection rights of credit card debts to a third-party collection agency, which will make phone calls, text messages, emails, and letters to credit card debtors, and finally file a lawsuit.

Legal basis: Article 177 of the Criminal Law of the People's Republic of China and the People's Republic of China. Anyone who obstructs the management of credit cards under any of the following circumstances shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also be sentenced to or A single fine of not less than RMB 10,000 but not more than RMB 100,000 shall be imposed; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and shall also be fined not less than RMB 20,000 but not more than RMB 200,000:

(1) Knowingly holding and transporting counterfeit credit cards, or knowingly holding and transporting forged blank credit cards in large quantities;

(2) Illegal holding of other people’s credit cards, Large amounts;

(3) Using false identity certificates to fraudulently obtain credit cards;

(4) Selling, buying, or providing others with forged credit cards or using false identities Prove that the credit card was fraudulently obtained.