Credit cards are used by many people because they have an advance function and can help people who are in urgent need of money to relieve financial stress. However, because of the convenience of credit cards, Mr. Leng, a citizen, ran into trouble.
My son's five credit card debts amounted to 100,000 yuan
Last year, Mr. Leng's wife suddenly received a call from a bank saying that his son's credit card debt was in arrears. She thought it was a scammer. A few days later, the call came again, saying that his son owed 18,000 yuan. He answered the phone and said, "Why didn't you tell us when you applied for the card? Go to him to pay him back now."
In anger Guihua, Mr. Leng was afraid that his son would go to jail, so he still helped to pay back the money. The son said that Kali owed seven to eight thousand yuan, and Mr. Leng paid it back in two months. Unexpectedly, my son applied to report the loss and apply for a replacement card, and owed more than 10,000 yuan in two months. What’s even more frightening is that collection calls from multiple banks are coming one after another. Only then did Mr. Leng learn that his son had successively applied for 5 credit cards in the past few years, belonging to Huaxia, China Guangfa Bank, etc., and the principal plus interest had now reached more than 100,000 yuan.
He began to negotiate with various banks, hoping that he could only repay the principal, and after the money was paid off, the card would be canceled and he would not be able to apply for another card for his son. After many negotiations, three banks have agreed to waive part of the interest and late payment fees and freeze the card. Mr. Leng has repaid nearly 60,000 yuan for his son. However, Hua Xia Bank has not yet responded to Mr. Leng, and Guangfa Bank has been avoiding communication with him. Four months ago, Guangfa Bank’s text message reminder was for 28,000 yuan, and later it reached more than 40,000 yuan.
My son who is not sensible makes a lot of money and spends money very well
He said that his son was very naughty when he was in school. After graduating from junior high school, he went to work in Hankou. At that time, his son could still listen to his parents. . However, four years ago, my son moved to Hanyang to work, and things began to change: he looked down on small money, but he couldn't make big money. He only earns more than two thousand a month, but he spends a lot of money. He only drinks drinks and eats in big restaurants. "Although we talk about him, we still give him money after that, more than 10,000 yuan a year." Mr. Leng said.
At the moment, he had no choice but to call his son home, but his son slept online all day long, so he had no choice but to fear that if he said something harsh, his son would become more rebellious. He asked his son to go to the bank with him, pay back the money and cancel the card. His son also complained about him and asked him to ignore it.
It is reported that credit card cancellation must be handled by himself. Mr. Leng’s son is already an adult. Unless authorized by his son, Mr. Leng is not allowed to handle it for him. According to regulations, users who fail to repay their credit card overdue should repay in full, including overdue interest and late payment fees. For Mr. Leng’s special situation, if he wants to waive part of the interest and late payment fees, he can apply to the bank. According to the current overdue situation of Mr. Leng’s son, even if he pays off the debt, the possibility of applying for a credit card in the future is very small.
Xiao Cai reminds you that you should not blindly apply for a credit card just because of its advance payment function. Applying for a card is easy, but maintaining a card is difficult, and it is easy to develop inertia, causing you to rely entirely on the bank to support yourself while using a credit card. Interest needs to be paid, and unrestrained use can easily lead to card slaves. Banks should carefully review the qualifications of applicants and reject applicants who fail to repay their loans in a timely manner.