Through this incident, I also want to remind everyone: we must distinguish between credit cards and debit cards. If you have a credit card, that is, a credit card, then you must pay attention to whether the card is overdrawn. If you overdraw, you should repay it on time to avoid affecting your credit information and causing losses.
Extended data:
What happened:
Ms. Tang said that more than ten years ago, she and her husband worked in Beijing. In 2008, when her husband took the driver's license test, he set up a bank card in the driving school to pay the traffic violation fine. At that time he thought it was an ordinary savings card.
After getting the card, Ms. Tang and her husband used this card many times. First, they put their salary in and take it out when they need it. In 2009, the couple decided to leave Beijing to live in Chongqing. They are going to stop using this card before going home.
Ms. Tang: "I have lived an ordinary life in Chongqing these years, and I have never been to the bank to check my credit. I don't have a loan. I didn't even know I got 200 yuan more. "
After returning to Chongqing in 2009, they changed their mobile phone number and never went to the Chongqing branch of this bank for business. In July this year, Ms. Tang's husband applied for a debit card of this bank in Chongqing, and received a short message from the bank that month, reminding him that he owed more than 30,000 yuan. Ms. Tang also told her husband that this must be a scam message. I didn't expect another message from the bank in August.
This time, Ms. Tang and her husband went to the bank counter to print the running water, only to remember that they had set up a bank card more than ten years ago. It turns out that this card started from June 65438+ 10, 2009. Due to overdraft, late fees and loan interest were incurred every month.
The late payment fee increased from 1 yuan to 2065438+ yuan in June 2005. It won't go up in 500 yuan. After capping, the late payment fee will be kept in 500 yuan every month. From June 20 17 to June 20 17, according to the relevant requirements of the central bank, the late payment fee was cancelled, and the bank began to collect the monthly 500 yuan penalty, which lasted until June 20 18; The loan interest has increased from 2 yuan in 2009 to more than 80 yuan per month at present. Up to now, Ms. Tang's husband owes more than 32,000 yuan.
200 yuan 1 1 years later, the credit card debt will be paid back to 30,000 yuan.