Recently, an international student who claimed to have studied in the United States posted an article on the social platform, claiming to have "maxed out" the credit cards of many American banks before graduation, amounting to 140000 dollars, before returning to China.
The student also said that this was "the last lesson for American capitalists", and this post raised a heated debate.
In the post of Little Red Book, the international student first expressed his gratitude to Chase, Citigroup and American Express for their three years of companionship, and said that although his banking service was really good, he always remembered that he was Chinese, so he decided to use this "first bucket of gold" in life to go back to the motherland to "add bricks and tiles", and also as a heavy blow to American imperialism, A final lesson for American capitalists.
The incident caused heated discussion among netizens. Most netizens said that this kind of behavior was repugnant, and very few netizens thought that it was "powerful enough and heroic enough."
Of course, many people also accuse him of not only bad influence, but also legal responsibility.
Others found that the information was translated and uploaded to the American forum.
Of course, editor More willing to believe that this may only be used by a netizen to attract traffic 。 After all, is there such a person in the real society?
Some netizens also said that the amount of 140000 dollars is not low. For international students, it is difficult to apply for even multiple cards, It should be fake! Maybe I spent so much before I returned home, but I should pay it back, just talking about it.
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I really want to run. It's not that easy
Although it is impossible to confirm the authenticity of the information disclosed by the Chinese student for the time being, Canadian immigration lawyers said that there were indeed Chinese students who used credit cards to buy computers, mobile phones, clothes and cosmetics before leaving Canada, and sold them privately at a low price before leaving Canada.
He is employed to track down non Canadian residents who have not paid their debts. It is more difficult to find those who have not paid their debts in remote countries. Because this is usually a civil problem rather than a criminal offence, the police usually do not intervene.
Some American lawyers also said that in this case, the credit card company may file a lawsuit to the client in the American court. If the parties do not respond, the American court may obtain the judgment and then try to execute the judgment in China.
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Negative credit record affects future life
Chinese financial planning experts said that credit card companies mainly depend on the applicant's income and property certificates as the basis for approval, so even if the applicant is a student, as long as the income or deposit meets the requirements, the card issuer will approve the application. He pointed out that if the international student failed to pay the number of cards before the credit card deadline, the local card issuer could charge him overdue fees and interest. According to local data, the average interest rate of credit cards is more than 20%.
The experts also pointed out that the record of the number of late cards will be sent to the local credit transportation agency. If the student returns to the United States in the future, it is believed that it is difficult to apply for credit cards and loans, at least it will face higher interest rates, and even affect the daily life of renting buildings.
Lawyer: indictable
As for the consequences of fleeing back to his own country after blowing up his credit card overseas, the lawyer said that the student's credit card was issued in the United States in the event and should sign a contract governed by American law, so it was an American legal issue. He estimated that credit card companies had the opportunity to sue the parties in the United States courts. If the parties do not respond, the US court may obtain the judgment and then try to execute the judgment in the mainland of China.
No matter whether it is true or not, I also advise you that it is important to leave a good reputation record in any country, and never make stupid mistakes.
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