It is impossible to tell whether it is reasonable. This card has expired as early as 2018. When the card expires, the bank counter customer service does not have the authority to retrieve the complete details, so the debt is 200 yuan after 11 years. Whether the account requiring repayment of RMB 30,000 is reasonable or legal cannot be judged until the details are released. Currently, the bank has reported it to the headquarters, and the calculation can be carried out after the follow-up procedures are completed. 1. After the bank comes up with specific detailed bills, you can use calculations to see whether it is reasonable. At present, there is nothing to judge.
In 2008, when Tang and her husband were living in Beijing, they applied for a credit card to pay fines for vehicle violations. At that time, she used this card many times and even deposited her wages into it. In her mind, this card was not a credit card but a savings card, so she withdrew all the money before going home and planned not to use it again. Unexpectedly, she withdrew an extra 200 yuan when withdrawing money, resulting in an overdraft. In July 2020, Tang A husband re-applied for a debit card from the bank, and then received a text message from the bank reminding him that he owed more than 30,000 yuan.
The current status of this card was mentioned in the news. After checking, this credit card has expired in 2018. At present, customer service does not have the right to view all information about this card, so regarding these 3 Tang has no idea how the money of more than 10,000 yuan was generated and how the bank calculated it. It is impossible to draw a conclusion if we only judge based on this incomplete information. In other words, we want to know whether the more than 30,000 yuan is You have to look at the details to confirm it is reasonable. 2. If you feel it is unreasonable after checking the details, you can negotiate with the bank for the final payment. If rejected, you can file a lawsuit in court.
As far as this matter is concerned, although Tang and her husband made the mistake of not paying back the overdue credit card, they would have left text messages when applying for the credit card. The bank should have sent text messages when the bank did not receive Tang’s repayment the next month. The text message reminded that after the repayment was not made on time, the customer service staff should make a call for payment. Therefore, Tang and her husband should only bear part of the responsibility for not repaying the money on time. After all, the bank also had negligence in this incident.
After getting the details, if Tang still feels that he has objections, he can ask the bank for a reduction or exemption. If the bank is resolute and Tang still wants to continue negotiating, he can go to court to sue, and the court will judge the end of the money. How much should be returned? This is not to say that Tang and her husband are not wrong, but that they did not do it intentionally, so the request for appropriate reduction is not excessive. Finally:
Be sure to recognize credit cards and debit cards clearly, and ask questions clearly when applying for them. Don’t make such a mistake because of your own negligence. It will be troublesome if it affects your credit in the future. .