I had a credit card ten years ago, but now I am told that I owe the bank more than 30,000 yuan. The 21st century is an environment for early consumption. Overdraft platforms such as Alipay and credit cards are developing rapidly. It is precisely because of these Products that have emerged with the purpose of benefiting the people have brought greater troubles to people's daily lives.

1. The chain reaction of credit consumption

Ms. Tang is a victim of this era. Recently, she was told that she owed 32,000 yuan on one of her credit cards, but she didn’t know it. Affection. According to Ms. Tang, this card was obtained when she was working in Beijing more than ten years ago. The main purpose at that time was to pay traffic violation fines. It has not been used since leaving Beijing. It should be that he withdrew an extra 200 yuan when withdrawing money before, which resulted in a credit card overdraft. This year, when my husband went to apply for a debit card from this bank, he received a text message from the bank reminding him that he owed 32,000 yuan.

2. Who is responsible for the result?

In fact, both parties are responsible for what happened. On the one hand, why did the bank not remind the repayment in time in the month of overdraft? Without knowing it, Ms. Tang overdrafted 200 yuan and failed to repay it in time, which resulted in interest compounding to 32,000 yuan now. If the bank had notified her in advance, Ms. Tang could have repaid the loan in time without incurring huge overdue fees. . On the other hand, Ms. Tang originally knew that this was a credit card, and she should have checked whether there was any debt before she stopped using it. Be aware of your expenses, rather than being confused and unaware that you owe money, so both parties need to bear the consequences.

3. How to resolve such disputes

To resolve the matter, Ms. Tang first needs to find the bank to find out whether the calculated amount is wrong. If the amount is correct, then both parties need to negotiate. If negotiation fails to determine whether it can be reduced or reduced, you can request reduction or exemption through legal proceedings. 30,000 yuan is not a small amount for an ordinary family. It could have been solved with 200 yuan, because carelessness caused such serious consequences. This incident also reminds everyone that you must have your own account details, mark reminders when making purchases in advance, and make repayments on schedule to avoid forgetting to repay, incurring additional fees or affecting your credit.