Credit cards (debit cards) are a trap. While they provide us with convenience, they are also overdrafting our happiness step by step. According to national statistics, the total amount of credit cards (debit cards) that have been overdue for six months has reached 75.6 billion. The average debt of young people born in the 1980s and 1990s has reached more than 100,000, and they all live a miserable life of being a slave. If there is debt, there must be overdue debt, and if there is overdue debt, there must be collection. Yesterday I received a story from a young lady who was tortured by credit cards (debit cards) and became severely depressed. She was once forced to commit suicide by debt collection.
The total amount is not much, just nearly 80,000 yuan. Due to some family reasons, the young lady’s job was unstable and she was once unemployed. Everyone knows that once you are unemployed and have no source of income, you will use credit cards (debit cards) to make the transition. But in the long run, once you have no ability to repay, credit cards (debit cards) will push you to a dead end step by step, and even require you to pay. your life.
The young lady is too young to withstand the threats and insults from the collection staff at the credit card (debit card) center. She once even attempted suicide despite being depressed for a long time. Both 110 and 120 came to ask for help. I paid a heavy price for this mere 80,000 yuan. After all this, the lady is still suffering the torture of bank collection. I really can’t stand it. I originally wanted to update my experience with debt collection from state-owned enterprises, but I will change it to later. Yes, if any of my friends have any needs in this regard, please contact me via WeChat.
In fact, I just want to say here: "I am not even afraid of death, but I am afraid that your bank will ask for debt." Why are we so afraid of credit card (debit card) collections? Why do we hear prosecution, fraud, and malicious overdue payments? I'm so flustered, why do I ask around to see if I'll go to jail when the debt collector says I'll sue you and go to jail? There are also those so-called lawyers on the Internet who answer these questions. They often find that more than 50,000 yuan is overdue. Bank collections that have not been repaid more than three times are considered malicious overdrafts, and may be credit card (debit card) fraud. To avoid the risk of jail time, please speak with an attorney.
If a credit card (debit card) is overdue, you will be prosecuted and imprisoned. I am afraid that half of China’s prisons require credit cards (debit cards). This is not scaremongering. Why are we so afraid of being sued and collecting debts? It’s because we don’t understand the law and are not familiar with banking procedures.
Chinese people have a saying that good things don’t go out, but bad things spread thousands of miles. As the younger generation, we cannot live up to the expectations of our parents and our children at the bottom. We are depressed about everything. Only those who have experienced it can understand this kind of suffering. Just like this young lady, we think about it every day, all the time, and whenever there is something in our head, Sora was thinking wildly.
I was shocked after hearing your story. In fact, I hope you let go of everything you have and fight back. To put it bluntly, if you committed suicide because of a credit card (debit card) collection, you can collect evidence to turn defeat into victory. It is even possible that the bank will have to compensate you even if the money is waived, so I am here to encourage you and use our actions to strive for the final victory. It is absolutely no problem to suspend or suspend the card gradually.
Just live, put aside the things you worry about, put aside the collections from Bank of Communications and China Merchants Bank. Although we owe money, we must live with dignity. I'm not a deadbeat, it's just a temporary difficulty. Whoever can control whom for the rest of his life will be in debt, and as long as he is alive, there will be hope. Stop being depressed and stop doing stupid things.
This is the update today. It will take me a few days to teach the young lady to negotiate all the cards. I will write a sequel for your reference. I will always accompany you on the road to debt and help you as much as possible. losses to a minimum.