Speaking of overdue credit cards, I think everyone has no choice but to do it. If you really can't afford to pay it back, as an adult, no one will play with their credit, and risk being sued, executed, or even affecting their children's education and employment, and embarking on the road of having overdue debts collected. .

My situation is actually similar. Before it is overdue, my credit is more important than my life. As long as you can find a bank to solve your financial problems, you will never ask relatives or friends to borrow money. Even if I use a bank credit card, I have compiled the billing date and repayment date of each credit card in detail. I have never been overdue for repayment before the repayment date.

Because of maintaining such a credit record, starting from having the first credit card of Ping An Bank in 2010, I gradually applied for Minsheng Bank and China Merchants Bank. , China Everbright Bank, China Guangfa Bank, Hua Xia Bank, China CITIC Bank, Industrial Bank, Standard Chartered Bank, Guangzhou Bank, Rural Commercial Bank, Shanghai Pudong Development Bank and HSBC Bank, the credit limit has also been gradually increased from the initial 1,000 yuan, 4,000 yuan, and 6,000 yuan. The maximum limit is 80,000 yuan. I have used the card for nearly 3-9 years and have always had good credit. I often call to increase the limit.

However, in September 2019, changes began to occur, and credit cards began to become overdue one after another. Since then, I have also embarked on the road of being debt-collected.

At the beginning of the overdue period, I still had the attitude that if I owed money, I should say hello and negotiate with the bank, so every bank informed me. The general situation is that I hope the bank can provide some relief. The bank also agreed and recorded it, but if there is no money to repay, the bank will still keep chasing the money, so it has not been cleared up until now.

Many banks entrusted the task of collecting money to third parties, so many young people complained and suffered greatly. Not only their lives were affected, but they were also worried about gains and losses, and some were even frightened.

The story goes like this. The day before yesterday, I received a request from a lawyer who pretended to be a lawyer entrusted by China CITIC Bank to collect money, so I was in a bad mood. When she received a call from Standard Chartered Bank, she thought they were in the same situation. It happened to be a meeting when she called in the morning, so she asked her to call back in the afternoon.

The lady from Standard Chartered contacted me in the afternoon. After I got through, she started negotiating with me. The general content is as follows:

Standard Chartered: Ms. Li, your Standard Chartered credit card ending in XXXX has been overdue for 21 months. Did you encounter any difficulties that caused it to become overdue?

I said: Yes, when it first became overdue, I told your bank’s customer service staff about the reason for the overdue payment.

Standard Chartered: Yes, I saw it, and the customer service registered it and said It was because the elderly family member was seriously ill and spent a lot of money on hospitalization, which led to the overdue payment. I understand this. Later, the epidemic occurred and many people overdue their dues, which was also a reason. So what's your situation now? Are you able to handle this debt?

I said: How much is my outstanding bill?

Standard Chartered: That’s right, we have suspended interest and posted accounts when you were 6 months overdue, so the overdue interest is not high. Because we have also taken into account the situation of many cardholders, and the income of many people has dropped due to the epidemic, we have taken the initiative to waive interest and liquidated damages after 6 months, so as not to add too much burden to you. As of now, your card is overdue for 21 months, and its limit is 25,000. The overdue interest for 6 months is 5,099.26, so you need to repay 30,099.26 per day. However, this interest can also be reduced, so I contacted you. .

Because different departments are responsible depending on the overdue time, I have just taken over your case. If you have a willingness and plan to repay the loan, , I tried my best to apply for exemption again.

I'm not calling you today to chase you for repayment. You don't have to worry. Tell me your current difficulties and income. I'll register and file it to see how you plan to deal with the debt.

I said: Thank you very much for your understanding. I don’t have much money to turn around now. Now I have to pay my child’s tuition in August. It’s difficult to come up with money this month.

Standard Chartered: Yes, school starts in September, and children’s tuition fees are another big expense. Are there any other difficulties?

Then I explained the practical difficulties one by one, and she also registered one after another.

I said: When is the last date you can help me postpone? It’s hard to say this month, maybe there’s some loose money next month?

Standard Chartered: Your case can stay in my hands for 3 months. Until November 25, I will be responsible for it, because if it is overdue for 24 months, your materials will be handed over to the responsible person. The colleague who filed the lawsuit is there, so if you can negotiate a repayment plan, try not to resort to litigation. After all, there will be litigation fees, attorney fees, and execution fees involved later, all of which you need to bear and increase your costs.

I said: In this case, what is your last name? Can I add your WeChat account? I will contact you directly from now on and report my property status and income to you truthfully. I have never thought about escaping this debt.

Standard Chartered: Yes, I will be responsible for these three months. Just contact me directly.

I said: Thank you very much. If the people who are chasing money have the same attitude as you, it is impossible not to pay back the money. Most people are overdue, and many people are frightened by the bad attitude of chasing money. It is very scary. I'm disgusted, so I won't answer your calls.

Standard Chartered: I understand that our current calls, including all information exchanged on WeChat, will be recorded and monitored by the bank. You don’t have to worry about us going too far. Therefore, according to your income situation, decide on the repayment plan as soon as possible and resolve the debt as soon as possible.

I said: Yes, I have done some business recently, but the account will not be received until next month, so I will plan how to pay back and how much I can pay back. We will keep in touch on WeChat. Thank you again for your understanding.

Standard Chartered: You’re welcome, that’s right.

After hanging up the phone with Standard Chartered, I was in a very good mood and felt that the world was still full of love and understanding.

Being called for payment every day, my mood is extremely bad. I have no intention to go to work and have no passion for anything. I like to be alone in a daze, and I will never do it again. When you go out to socialize and socialize, you still have a full meal and a hungry meal in life. Your relatives don’t understand you, and your friends are gradually drifting away. When will this kind of life end?

I really wish that a large amount of money would fall from the sky, or I would win millions in lottery tickets, so that I could pay off my debts in one go. After paying off the credit card, I will never use it again in my life. I will live my life honestly and earn a penny without spending a dime.

With so many banks chasing money, even if I have the ability to pay it back, I still have to screen the bank’s attitude. Those who are easy to talk to, those who can negotiate, and those who take the initiative to reduce or reduce the amount will be given priority. Those who threaten, those who talk about prosecution, those who say they are suspected of crimes, and those who ask me to pay back how much money they have in one go will be put in the back row.

It’s not a big deal to owe money. As long as you don’t try to escape, you will definitely be able to pay it back one day. I personally think that if you have been frightened by the demand and have the idea of ??not paying back the money, then it will be difficult for you to get on the right track.

You think, it is natural to pay back the money you owe. Living with debt for a lifetime is not burdening others but yourself. We Chinese have 5,000 years of fine traditions and moral concepts. We are honest, trustworthy, kind and responsible. This is a belief engraved in our bones. We are just encountering temporary difficulties. However, it is also a fine tradition we uphold to endure hardships and be diligent and thrifty, so what does it mean to be temporarily in debt? After adjusting my mentality, I worked hard and worked hard, and there was no debt I could repay.

Especially when you encounter a creditor as tolerant as Standard Chartered Bank, there is no reason to be sluggish. They have taken the initiative to reduce or stop interest calculation. We have already made very big concessions, so what excuse is there? What if you don’t pay back the money?

Friends who are in debt, I hope you can cheer up and come on!