Is it illegal to mention letters in text messages?

According to China's "Personal Credit Information Law" and relevant regulations of the banking industry, banks can take various ways to collect overdue credit card payments, including telephone collection, SMS collection and letter collection. However, the bank has not clearly stipulated whether the overdue collection of credit cards can be used for home visits.

Some banks may choose to send staff to collect money at home, but they must follow relevant laws, regulations and industry regulations to ensure that the collection behavior is legal, compliant and reasonable. Bank staff must show their certificates and explain their identity and purpose when collecting money at home. They shall not use unreasonable means such as violence or threats to collect money, and shall not infringe upon the legitimate rights and interests of borrowers.

If you encounter a bank's door-to-door collection, I suggest you ask the other party to show your certificate, explain your identity and purpose, and pay attention to protecting your legitimate rights and interests. If the bank's collection behavior violates relevant laws, regulations and industry regulations, you can complain or report to the bank, relevant regulatory authorities or consumer protection agencies, such as China People's Bank, banking regulatory agencies, consumer associations, etc.

Reporting directly to the CBRC may not be the best choice. The CBRC is mainly responsible for the supervision and management of the banking industry, rather than directly handling individual complaints or reports. Therefore, if your complaint or report is related to the bank's business or behavior, it is best to complain or report to the bank.

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