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Original title: Credit Card Confusion Ms. Ni to show his son to do credit to the reporter Xiao Yun live pictures Morning News reporter Yao Keqin In 2010, the old Zhou's son Xiao Zhou handled 12 credit cards, involving a number of banks, the credit line of 13 million, but a small annual income, but more than 20,000 yuan. Inability to repay credit card debt, Xiao Zhou borrowed nearly 10 million loan sharks. After exhausting all to help his son pay off debt, the old Zhou claimed that the banks had purposely call the customer service hotline to inform the other son did not repayment ability, in the future do not give him a credit card, and they shall be reported out of his son's name and identity card number. Unexpectedly, four months later, Xiao Zhou and from nine banks run out 13 credit cards, this time not only owe the bank more than ten million,scarpe hogan, also owed more than ten million of loan sharks. Eventually, the old week for one child had to sell debt, this is also an old married couple divorce: "I can not figure out why banks want to send so many credit card to my son, he obviously does not pay, it is not evil thing! " A credit card debt owed huge mad This year, nearly 60 years old week, to work in Hong Cao Road, a residential property management office. Reporters found him, he was in the office kettle. Her husband converted office room,http://237.newfine.net/home.php?mod=spacecp&ac=blog&blogid=, dimly lit, simple decoration, furniture, only a few tables and chairs and a sofa, the only one close to the appliance is scrapped 28 inches tube TV,louboutin femme, the picture somewhat distorted, kept quivering. Old Zhou said that the sofa is his bed,http://vegalta7.s156.xrea.com/aska/aska.cgi/0/1/%E9%96%BB, he was in the vicinity of a university organized a meal card, three meals a day in the cafeteria resolved. To save money, he rarely ate there Hunxing dishes. Weeks old son Xiao Zhou was born in 1982, is the first generation only child. In the eyes of the old week, the son of a fairly disappointing start, admitted to the college, but was injured playing football again, causing severe pneumothorax, resulting Graduated home recuperating. In 2002, Xiao Zhou recovering from illness, found his first job, at a securities company as the counter staff. In 2004, the old week to help his son Tuo Shuren introduces another job - a large airline ticketing staff. A monthly salary of less than 2,000 yuan for the job, did little Monday a total of six years. Old Zhou said that after his son to go to work, and their communication is not much. Beginning in 2006, Xiao Zhou parents to apply for a credit card carrying, to November 2010, it handled a total of 12 credit cards, a number of banks involved. Because insolvent banks until the staff door noisy, old Zhou learned that his son owed a lot of money. Father ask the bank to his son, "pull the black" In order to clarify the handling of his son's credit card, the old week specifically to the Chinese People's Bank of China Shanghai Branch query relevant information. Reporters saw five or six sheets of A4 paper, dense record Xiao Zhou do card process. These credit card line of credit from 23,000 yuan to 6,000 yuan, the total credit line of 13 million. Xiao Zhou repayment outset is still relatively stable,piumini woolrich, but there had to post within 12 months there have been eight months without the minimum amount, the number of credit cards in a row 3-5 months without the minimum amount and so on. "Annual income of over 20,000 yuan son's will, these banks actually gave him more than 10 million lines, too outrageous!" The old week after learning of his son to do the crazy card,http://www.jakyoto.com, the bank had planned to go to judge, but would like to think, after all, the son owe the money, so the couple decided to put all their savings out, find friends and relatives gather the money, this put more than ten million of debt also dropped. Old Zhou still clearly remember, November 15, 2010 morning, he Lianpao a number of banks, and finally his son all the credit card debt paid off. When he walked out the door of a bank last a long sigh of relief. In order to avoid making the same mistakes his son, the old Zhou said he also specifically to fight the banks customer service hotline to call, inform the other Xiao Zhou did not repayment ability, do not give him a credit card: "I reported the son's name and ID number , customer service that has put him to join the blacklist,moncler Outlet, does not give him a credit card, my heart was set up. " Just over four months and do 13 cards However, the old-week nightmare is far from over. May 2011, Xiao Zhou due to hand tight to their parents for money, and the old dispute happened last week, angrily away from home. After mid-May, the old unit for news thoughtful son, opened a small toolbox week, found a thick stack of brand new credit card,http://jiaxz.com/forum.php?mod=viewthread&tid=5514328, once again stunned. Originally, the old week to help his son after the debt paid off just over a month, a small week began to apply credit card, just four months, and from more than 13 banks run out of credit card. "The more exaggerated than the last, he owes the bank 10 million in debt a few, still owes more than ten million of loan-sharking, I really can not afford also the." Early September last year,http://wx.jazzsynth.com/wxcgi/kizai/sunkizai.cgi?mode=form&no=74&page=2, Xiao Zhou runaways four months later, suddenly received a week old son's phone, "he cried splinters,moncler pas cher, says he is in Kunming, a hard life." After weeks old asked that his son away from home When away from home, from a game room owner at borrowed 600 yuan, and then travel to Ningbo, and later removed to Guiyang. Since he did not bring identification, it is difficult to find a suitable job, we had to eat leftovers the hotel. Later, he went to Kunming find a cooking job washing dishes in a restaurant, pay 30 yuan a day. During the wandering, Xiao Zhou airline employees always wear uniforms, in order to avoid fast wear pants, wearing pants to work during the day when he does not wear underwear, evening back to staff quarters, then put on underwear do not wear trousers. Sellers mother to child debt September 4 last year, Xiao Zhou returned to Shanghai, the train station, the old week to see his son's dark and thin, distressed tears fall. However, faced with dunning letters and dunning telephone banking weeks old great anger. He believes that once her son before repayment, the bank has been clearly informed, suggested that his son columns blacklist, do not give him a credit card, and do not know why banks apply for a credit card and gave Xiao Zhou, he refused to pay back the money. But his wife Ms. Ni think, son owe, always have to repay, the two sides this dispute eventually was referred to the Bureau of Civil Affairs divorced. Old Miss Zhou Huni in states where divorce agreement, property owned Ms. Ni and son all. Ms. Ni subsequently sold more than 100 million of real estate, as well as relatives and friends will take before all the money to pay off the loan sharks, and in remote locations to buy a set of 40 square meters of small houses, and son living together. This summer, Ms. Ni rushing to banks, credit card debt negotiation matters sons. "I suggested that we are willing to pay the principal amount of debt, but the high interest credit card, it is unable to repay, banks can expect relief." Ms. Ni said, some banks have agreed to reduce their portion of the application, but there are also banks to the courts , full recovery of arrears. If not pay back the money, Xiao Zhou may face imprisonment penalties. Ms. Ni said: "I have learned too, and attorneys' fees to 5,http://bbs520.3vjia.cn/forum.php?mod=viewthread&tid=8014593,000 yuan each case, I really can not afford the money for these lawsuits, I might have to run in 2012.." [Correspondent investigation] Shanghai accounts have basic can do card Such as the small weeks, dozens of credit cards to handle the huge debt owed by no means the case. For the much-maligned credit card threshold do useless phenomenon, the reporter had visited recently. Hongkou District, a shopping mall in the door, roll up poster of a bank to be placed in prominent positions,http://cqjhshop.com/news/html/?12841.html, several of the young man is wearing a suit to the customer to sell the credit card. Reporters noted that the applicant simply present identity card to fill out to apply for a credit card table, the staff did not say their work unit, income, or without solvent. "Post Office card in case the money is not how to do?" The reporter asked. "We just do card, do not have money, someone will review, not ours Guan Dele." Staff replied. Subsequently, in order to apply for a credit card in the name of reporters visited a number of the Banking Department, found that all the staff, without exception, asked: "? Do you have a Shanghai hukou," the staff of a bank, said Shanghai handle credit card account is the first condition, If Shanghai accounts, the applicant can be approved basic credit card centers; if not,http://sns.gdongli.com/forum.php?mod=viewthread&tid=6472626, the best applicant is engaged in financial and other industries, so that it is easier to be approved. Shanghai University professor, sociologist Gu Jun that, for such a tragedy Xiao Zhou, banks and households have certain responsibilities. Professor Gu believes that the bank card volume and profitability in order to compete, lax auditing, there is junk credit card suspect. At the same time, he also said, how to help children to establish a correct view of consumption and values, but also the parents need to pay attention.

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