A friend of mine, credit card overdraft, the whole network is black. His salary was credited to the bank card, but he couldn't get it out, suggesting that the balance was insufficient and the money withdrawn by WeChat could not be recharged. "The credit card is overdrawn, the whole network is black, the salary is credited to the bank card, and it cannot be taken out" means that it has been included in the list of untrustworthy people, the credit information is damaged, and the action is limited.

The urgent task is to pay off the overdraft as soon as possible in exchange for being removed from the list of untrustworthy people, and then slowly rebuild the integrity with practical actions.