If the collection meets the following conditions at the same time, it shall be deemed as "effective collection" as stipulated in Article 6 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management. (1) Collection is conducted after the overdraft exceeds the specified limit or 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 is at least 30 days. (four) in accordance with the relevant provisions of the collection. Whether it is an effective collection shall be judged according to the original evidence materials provided by the issuing bank, such as telephone recording, information delivery record, letter delivery receipt, e-mail delivery record, signature of the cardholder or his family.
1). Entrusted by financial institutions to engage in financial business outsourcing, accepting financial institutions to engage in business process outsourcing, etc. ; 2) entrusted by the bank to provide telephone notification service for overdue credit and credit card overdraft; 3) Accept overdue letters of credit or credit cards collected by banks or financial institutions; 4) Accept the telephone notification service provided by banks or financial institutions.