Some banks are selling the creditor's rights to the increasingly ubiquitous bad debts on the "twin cards" (credit cards and debit cards) to private collection agencies that stop at almost nothing, including harrassing debtors, their parents, and their children 24 / 7 and even using criminal syndicates to get the money.
隨著銀行「雙卡」（信用卡、現金卡）呆帳日益升高，部分銀行將債權賣給民間催收公司。