1. A family of three in Guangzhong Wucun, Hongkou District, Shanghai committed suicide by burning charcoal. None of Zhang, Lin and their 25-year-old son survived.

Through investigation, the police ruled out homicide. According to the suicide note provided by the policeman, the cause of death was suspected to be that the credit card was overdrawn and could not be repaid.

3. The report mentioned at that time that there are more than ten credit cards at home, and the accumulated overdraft is more than 500,000, which may be used to speculate on futures losses.

I went to extremes because I didn't use a credit card. Although I don't know how many banks the cardholder owes, one thing is certain: his repayment ability has reached its limit and his confidence is completely gone. There are many reasons for this tragedy. The credit card center was fined 2.4 million. I can only say that the regulatory authorities have found loopholes and irregularities in the handling of credit cards by banks.

When the conditions of bank loans are getting stricter and the price of online loans is getting higher and higher, people suddenly find that credit cards are really a good thing. With a credit card, you can spend as usual when you have no money, and you can withdraw money to do what you want when you have no money. But credit card is also a double-edged sword, with both advantages and disadvantages.

First of all, banks have problems in promoting credit cards. In order to win over customers and satisfy them, banks have lowered the credit standard and paid no attention to the real repayment ability of cardholders.

However, things cannot be generalized. Some risk-oriented banks will strictly follow the requirements. Even if the branch applying for a credit card agrees to do so, the superior bank should reduce the unreasonable credit line when checking.

Second, it is related to the operation mode of the bank credit card center. Some banks' credit card centers are outsourced, so in order to boost their performance, their credit checks on cardholders are not very strict. Sometimes they know that there is something wrong with the information, but they are still lucky enough to issue cards as usual.

Third, cardholders spend too much when using credit cards. Due to the flexibility of using credit cards, cardholders can use credit cards at will. If the cardholder has multiple credit cards in his hand and has poor self-discipline, it will be a headache if he spends money today and doesn't consider tomorrow. When robbing Peter to pay Paul doesn't work, the credit card should expire.