Is it legal to close the door?

As long as it is not a violent collection and it is in the informal sector, it is legal to collect at home. The bank's door-to-door collection of credit card arrears is to safeguard the bank's own basic rights and interests, but if it is other credit disputes (not malicious credit card arrears), the public security organs have no right to intervene. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

Legal analysis

The bank's door-to-door collection of credit card arrears is to safeguard the bank's own basic rights and interests, but if it is other credit disputes (not malicious credit card arrears), the public security organs have no right to intervene. As long as it is not a violent collection and it is in the informal sector, it is legal to collect at home. In the case of malicious breach of credit card, if it is overdue for more than 2 times, it is necessary to collect it at home. If you can't repay in full, it is recommended to repay the minimum amount, but it will generate interest. If the repayment is overdue, it will not only cause late payment fees, but also seriously affect your personal credit history. Once you have a bad record, you can't apply for credit cards and bank loans for five years. If you still don't repay after repeated reminders from the bank, the bank will eventually sue you for malicious overdue repayment and apply for enforcement. The purpose of collecting loans is to prevent the limitation of action from ending, thus losing the right to win the case. The limitation period for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the day when the obligee knows or should know that the right has been damaged. Where there are other provisions in the law, those provisions shall prevail.

legal ground

Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

Article 188 of the Civil Law of People's Republic of China (PRC) requests the people's court to protect civil rights, and the limitation of action is three years. Where there are other provisions in the law, those provisions shall prevail. The limitation period of action shall be counted from the date when the creditor knows or should know that the right is damaged and the debtor knows it. Where there are other provisions in the law, those provisions shall prevail. However, the people's court shall not protect the rights that have been damaged for more than 20 years. Under special circumstances, the people's court may decide to extend the time according to the application of the obligee.