In order to pay off credit card debt, card slaves need to tear down one wall to pay for the other. High interest rates make the card debt snowball; card slaves apply for small amounts to pay off credit card debt. Credit makes the joint guarantor responsible for the card slave's debt; the card slave borrows money from relatives and friends to pay off the credit card debt, causing the card slave problem to gradually become a national problem; once the card slave's personal finance collapses, it will lead to debt collection companies Door-to-door debt collection: harassed by phone, verbal threats, paint thrown at the house, even neighbors suffered; the contact person filled in when applying for the card also became the target of debt collection or harassment. In Taiwan, dozens of credit card holders commit suicide every month because they cannot pay their credit card debts, or take their whole families to a dead end. But once they leave, the credit card debts can only become bad debts (bad debts). Unscrupulous companies or employers siphoned off 1/3 of employees' salaries that were forcibly deducted and did not transfer them to the bank.