Our colleague lent the card to his brother, and his brother refused to pay back the money after swiping it, so he was blacklisted on the credit card. If you have a bad reputation, you can't get a credit card, but all other card-issuing banks can't get a credit card; Banks are interconnected. You are blacklisted by this family, and others have bad credit.

If you really go to court and finally sentence it to compulsory execution, you may take away your mobile phone and computer. Look before you leap!

Finally, your poor credit status will make it difficult for you to borrow money to buy a house and a car in the future. After all, you have a bad record. Pay back the money before the verdict, and then slowly remedy your reputation.