CITIC Credit Card (Debit Card), with a line of 5,000 at that time, was the first credit card (Debit Card) in my life. At that time, I worked in a printing factory. It seemed to be 20 10. At that time, my salary was relatively low, less than 3000 yuan. My wife just gave birth to a child, and her life was under great pressure, so I got my first credit card (debit card) and went to the abyss.
Later, Guangfa Credit Card (Debit Card), China Merchants Bank, Transportation, People's Livelihood, Xingye and Ping An were established. Hey! Sometimes people are really confused. It seems that bidding cards are addictive. Every day I just check the progress of the bid card. I don't know why, but every bank approved the card when I submitted it. There is nothing to ask for in salary and work certificate. In this way, there are more and more cards, and they have embarked on the road of raising cards with cards.
Later, more and more money was owed, because the number of GDB cards rose from the initial 5,000 to 30,000, and the holes in credit cards (debit cards) became bigger and bigger. I tried to tell my wife several times in the middle, which may be my man's dignity. I dare not speak, thinking about paying back the money slowly in the future. But all this is just my own good wishes. As we work in a factory, we don't have any money or connections to do business. Paying back money by salary is really tiring. This is also a very unrealistic idea.
In this way, the annual cash repayment has been increasing, from less than 30 thousand at the beginning to more than 80 thousand now. I live in fear all day. I'm afraid the bank found out that day, or the amount was reduced.
It seems that in recent years, bank management has been relatively loose, and nothing has happened, although a bank customer service euphemistically called me to ask me to do staging. But I thought about it, and I died quickly because the installment interest was so high, and I didn't agree.
Just last month, for some reason, banks became more and more strict. My Guangfa credit card (credit card) has been directly reduced from 30,000 to 3,000, and it is not yet possible to apply for installment. I called the customer and said all the good things. I can't handle it either. A few days later, Minsheng Credit Card (debit card) was directly blocked, and my consumption function was cancelled, leaving only a cash withdrawal limit of 5000. This time is really desperate. In desperation, I had to ask my father for help. My father didn't have a good life. He scrimped and saved. Finally I spent his pension, alas! It cost my dad 50 thousand yuan. This money may be a meal in the eyes of the rich, but for us rural people, it is the money to support the elderly and save lives. Sometimes I wonder what I have been asked to do in my life.
Especially this year, my wife bought a house with this money, but now she has returned my credit card (debit card). Because of this, my wife wants to divorce me. My two children don't know how to deal with it yet. Hey!
Now I am doing graphic design in a printing factory, and my salary is seven or eight thousand a month. Sometimes I do some design and imposition work on the Internet, and sometimes 20 yuan scramble to make a 30-yuan imposition sheet. I hope to work hard and save a little now. The remaining 35 thousand after half a year. I hope my colleagues can see it and send me some part-time jobs. The money owed in the second half of the year has been paid off. I swear, I must cancel all credit cards (debit cards) and cut them off. Never touch a credit card (debit card) again in my life. If the credit card (debit card) is not well controlled, it will really be killed.
Look what happened to me. I was really killed by a credit card (debit card) and did it myself. If you don't have the ability, really don't touch credit cards (debit cards)! Remember!