With the development of social life, credit cards are gradually integrated into people's lives. The advanced model of "consume first, pay later" provides convenience to some high-spending groups in need. However, if you fail to repay your credit card overdue or use your credit card to engage in illegal and criminal activities, you will also be subject to legal sanctions. Recently, Meicheng's daughter Fang Moujie was sentenced to eight months in prison, suspended for one year, and fined 20,000 yuan by the Meijiang District People's Court for credit card fraud.

It is reported that Fang Moujie runs a supermarket in Meicheng and has previously applied for credit cards from many banks to operate the supermarket. In July 2015, Fang Moujie applied for a credit card at a bank and paid for a supermarket. During this period, Fang Moujie successively made consumption repayments. After the last repayment in January 2017, the bank has not received its repayment. Until June 2021, Fang Moujie was arrested by the public security organs in Zhuhai. Her overdraft of credit card principal and interest had reached 300,000 yuan.

After being brought to justice, Fang Moujie truthfully confessed the facts of his crime. Due to the poor management of the supermarket, the capital chain was broken, and the ex-husband mortgaged his shop and house for gambling, resulting in the inability to repay the money normally. Because she had no fixed residence, no income, and her phone was out of service due to arrears, she later went to Zhuhai to work. She never received collection calls, text messages, or letters from the bank. Fang Moujie took a chance and no longer fulfilled his repayment obligations.

In July 2021, after receiving the principal refund of more than 120,000 yuan from Fang Moujie’s family, the bank reached an understanding with Fang Moujie and signed an installment repayment agreement. The remaining nearly 180,000 yuan was repaid in 60 installments. After trial, the Meijiang District People's Court determined that Fang Moujie's actions constituted "credit card fraud" and made the above judgment in accordance with the law.

The judge reminded that "credit card fraud" refers to the act of using credit cards to defraud a large amount of property for the purpose of illegal possession. Malicious overdrafts and failure to return the money after the issuing bank calls for it are also credit card fraud crimes. The penalty is fixed-term imprisonment of not more than five years or criminal detention, and the penalty is life imprisonment. Related Q&A: Related Q&A: I have no job and still owe more than 300,000 on my credit card, what should I do?

Your question sounds like a dead end at first glance: no job, no source of income, and a foreign debt of 300,000 yuan.

Let’s sort it out first: no job, but you can Go all out to start a business and do one thing; owing 300,000 means you have no funds on hand.

What to do? Be goal-oriented and try to return 300,000 yuan within one year.

After clearly defining the current situation and goals, I will also share with you examples of people around me who owed foreign debt but turned over in about two years

The first example is my cousin I owed 400,000 yuan and opened a small stewed noodle shop. I paid off the debt in less than two years.

My cousin had a debt of 400,000 yuan, so he had no choice but to borrow another 50,000 yuan from relatives to make his own catering. After comparing many options, he chose to open a braised noodle shop (he had no money to join other people’s brands, so he started his own restaurant) a brand name). He has three reasons for making braised rice noodles: 1. It is easy to make a single hit product, so he is focused; 2. The operation is simple and easy to use, with a shop area of ??20 square meters, and the rent is low; 3. The consumer price is not expensive, but the cost is low and the profit is high;

My cousin used to do design. He posted and designed a lot of cartoon animation pictures in the store, making the store flashy, but young people and children liked it very much. Because his prices are moderate and customers in the store receive a braised egg for every bowl they eat, the customer flow is constant, business is booming, and there are many repeat customers in the store. He said that his monthly income from dine-in + takeout was basically around 120,000 yuan, and he almost earned around 80,000 yuan (he only hired a distant cousin to help him). In this way, he paid off the debt in less than two years. ...

The second case is that A Ping, a high school classmate, owed more than 600,000 yuan on her credit card, but she turned around after working as an imported red wine agent for more than a year

My classmate A Ping turned out to be a business owner. She works for an etiquette company. She has good corporate connections, but her business has suffered losses in recent years and she owes 600,000 yuan in various credit loans. After repeated exploration, she chose to cooperate with an imported red wine supply chain platform. The price of imported original bottles of red wine on this platform is very affordable. , the key is that it can be shipped on behalf of one piece, which gives operators like Aping a lot of room for market operation.

I asked Aping why she chose this ordinary product, and she told me four reasons for choosing this item: 1. Red wine consumers have a wide audience, and the market no longer needs education; 2. Red wine is a frequently repeated product. The products I purchased continue to make money, with small profits but quick turnover; 3. The source supply chain of imported red wine has been solved by a platform, and I do not need to bear product risks; 4. The delivery is simple, and there is no follow-up and complicated after-sales service, which is more worry-free.

Because this platform has low-price hot-selling wines, mid-to-high-end luxury wines, and personalized red wines for brand women, cool young people, and fashionable ones, Aping Market is also particularly easy to operate. In addition, she has accumulated a large number of corporate customer resources in the etiquette company, so it is natural to earn more than 30,000 yuan in net profit every month. Moreover, every year during the Mid-Autumn Festival, National Day and New Year's season, the ordering business is so good that it lasts more than a year. After paying off the foreign debt,...

Okay, let me finally summarize the five key points to quickly pay off the foreign debt:

1. Never become disgraced and lose confidence in yourself. Confidence, you must keep a cool head;

2. It is no longer suitable to work in a company at this time. You must start your own business, but it is very important to choose a good entrepreneurial track. You must reject the so-called high-end projects, and Choose down-to-earth projects that can make short-term and quick profits;

3. Be more knowledgeable and study consumer human nature and psychology to provide them with the products they really need that are cost-effective and can be repurchased;< /p>

4. At this time, when starting a business, you must take advantage of other people’s platforms and resources. You should not invest any money yourself. It is important to control risks;

5. Once again, you must choose A good project, keep a strong will, full of confidence and a positive attitude...

I wish all debtors in the world to pay off their debts as soon as possible and live a straight life.