text: i owe a credit card and they are threatening to go into my account and take what i owe them? they are threatening to use the account no# that i use online to pay their bills online, now i'm behind and they said they will just go in and get it; is that legal? yes it is.read the fine print in the literature they sent you when you got the card. you where warned then, and by using the card, you accepted the terms. owe too much? sell something.  and remember, the best way to avoid this is to only buy something you can afford. want it but don't have the money? save up. credit is hard to keep good, but so very important. much luck. long live jambi.