At present, overdue credit cards are generally not collected at home.

however, if the cardholder's credit card bill is overdue for more than 3 months, in order to recover the arrears, the bank will arrange the collection personnel and the third-party notary to collect it at home with the cardholder's consent. If the door-to-door collection is still fruitless, the bank may choose to sue the cardholder directly. Once the cardholder is sued, he may be listed as the person who has broken his promise.