We know that the consequences of overdue repayment of credit cards are very serious. What will happen if you don't pay back the money? Will it affect personal credit information, resulting in restrictions on buying a house, car, employment, loans and even travel in the future?
I believe that most people will not take the risk to try, but there are always people who owe money for one reason or another. Let's take a look at the personal experiences of several netizens.
Netizen @ 京京京京京:
Personal experience tells you. The year before last, due to special reasons (unintentional), I borrowed flowers by stages, but the flowers have never been returned. Suddenly received a text message saying that it was a breach of contract, terminated the contract and demanded full repayment.
My quota is still ok, because the electrical appliances bought by stages at that time cost a lot, and I repaid more than 20 thousand in full. When I got the news, I was just short of money and the situation was special, so I didn't return it to them for some time (a few days).
Then, a law firm in Hubei called and said that it should be entrusted by Alipay and asked me to pay and repay it within a few days. He also talked about the serious consequences of non-repayment, indicated the repayment steps and precautions, and had a good attitude.
Anyway, my credit score has dropped from 700 to 470, which is hopeless. After the repayment, I never used it again.
I only know that if you don't pay back the money, they will collect the debt. If it is too much, you will be entrusted to a law firm. If you don't pay back, there will be legal proceedings and you can be accused of fraud.
Therefore, it can be used, but if you think clearly, you would rather pay more interest than default.
Netizen @ 中中中中中 GQ:
I have a friend who owes more than 20,000 yuan in the ant flower garden and has never paid back a penny. It's been owed for about six months. Every month, the ant flower bud will call me to remind me of all kinds of reminders.
Now I can't contact my friends. Ant Financial said that if I don't pay back the money and go through legal procedures, it will have an impact on my personal reputation and will affect future loans, employment and other issues.
Besides, I don't know why people with mental retardation left my number and asked the ants if it was the previous number.
Netizen @ His name is Xiao Tao:
It's not that I don't want to do anything, but that all kinds of credit cards are overdue for more than one year, and some are two years! All kinds of collection SMS extortion!
I am tired now, too. If I am happy on the phone, I will answer the phone, if I am unhappy. If I answer the phone, I am definitely better than the collector and all kinds of curses on the phone!
Want to know how I spent it? I have heard a lot about lawyers and legal letters. At least I owe more than 300 thousand for three years, and I'm not dead or in jail at present
Maxim's life tips: From the expressions of the above three netizens, it is not difficult to see that the consequences of using ant flowers and borrowing flowers without paying back money are actually more serious than owing money to the bank, which will have less impact on personal credit records and lead to more lawsuits. The correct way is to have a correct concept of consumption, do what you can and repay on time.