Unfair collections practices, banks, subsidiary/ affiliate credit card companies, collection agencies, counsels and other agents may resort to reasonable and legally permissible means to collect amounts due them under the credit card agreement.

Unfair collection practices BSP Circular 454- series of 2004 section 7
the use of threat of violence or other criminal means to harm the physical person, reputation or property of any person.

the use obscenities insult or profane language which amount to a criminal act or offense under applicable laws.

disclosure of the names of credit cardholders who allegedly refuse to pay debts, except as allowed under sub sec x320,9 and 4301n.9

threat take any action that cannot legally be taken.

communication or threat to communicate to any person credit information which is known to be false, including failure to communicate that a debt is being disputed

any false representation or deceptive means to collect or attempt to collect by debt to obtain information concerning a borrower and 

making contact at unreasonable / inconvenient times or which shall be defined as a contact before 6;00 am or after 10 pm unless the account is past due for more than sixty days or the borrower 

 exemption to the strict confidentiality of customer 

1. disclosure of information with the written or recorded consent of the borrower 

2. release, submission or exchange of customer information with other financial institution, credit information bureaus, lenders potential or actual their nd or  representatives.

3.upon orders of a court or any government office or agency

4.disclosure to collection agencies, counsels and other agents of the FC's and LC's to enforce the latter's right against the borrower

5. disclosure to third party service providers solely for the purpose of assisting or  rendering services to the FCs and LC and 

6. disclosure to third parties such as insurance companies, solely for the purpose of insuring the FCs and LCs from borrower default or other credit loss, and the borrow from fraud and unauthorized charges.

penalties violation of the circular shall subject the financing companies (fc) and lending companies (lc)