There are several types of people who owe bank credit cards: one is for emergency use, but they did not expect to be able to pay it back, but at least they still have the intention to pay it back; the other type is that they have no intention of paying it back and owe money. Just take it one day at a time as if nothing is wrong. For the former, if you find them and tell them the consequences of malicious overdraft, it may be effective; for the latter, there is no other method available except the law.

Collection

Don’t think these people are fine now, but that doesn’t mean they won’t be fine in the future. First, why didn’t the bank call the police? There are two possible reasons here: first, the amount of money to call the police has not yet been allocated, and second, it is not yet "time to crack down". Our country has implemented "severe crackdowns" on malicious overdraft credit cards on several occasions. You must know that these are all "settlement of accounts". So this doesn't necessarily happen right away, only those who experience it remember it. Second, they will always be at the bottom in the future, because after entering the blacklist, they will not be able to get loans to buy houses, and they will not be able to be legal representatives. These are what they will face in the rest of their lives, maybe not in the time period you can see. ——If you are willing to be at the bottom just because of these 100,000 yuan, then there is nothing you can do about it. The bank will not bother to call the police to catch the homeless person, right?

Collection

In recent years, in order to maximize profits, commercial banks have encouraged people to apply for bank card services and launched many preferential policies. Familiar people do not know that bank credit cards are a double-edged sword. For those with a certain stable income, it should be the best of both worlds, and it is very convenient to use. However, for people who do not have a relatively stable income, bank credit cards have become a tool that poisons them. As the saying goes, food comes to mouth and money comes to hand. If you have a credit card, you will be overdrawn today and overdrawn tomorrow. As time goes by, you will be more tired. When the overdraft amount is large, it will be difficult to pay back. A similar situation occurs among young people who go out to work. They all feel that outside The world is very exciting, but once you find that working is very hard, you have to pay attention to bank and credit cards in order to survive.

Collection

This happened to the son of a relative of mine. His family’s financial situation was not good at first. Not only did his son not make any money when he went out to work, but he also lost money after a few years. Many foreign debts are overdrafts on the credit cards of several major commercial banks. The bank even resorted to threats and intimidation to make it impossible for their family to live a normal life. Therefore, we hope that commercial banks will have a basic threshold for bank credit card holders, and will not be indifferent only to their own interests and harm many innocent families.