You can’t say that an institutional bank is a liar. First, figure out how you went from owing 20,000 to 40,000; your 20,000 to 40,000 should not be owed in one or two days. Yes, but I did not repay the credit card in accordance with the repayment rules of the credit card. It should be that I often defaulted on the repayment amount of the credit card that led to the current situation.

What you have to do now is to repay the loan as soon as possible instead of complaining. It is useless to complain about the money you owe. If you don't repay the money, you will only owe more.