It is reported that Fang Mojie runs a supermarket in Meicheng, and has previously applied for credit cards from a number of banks for supermarket operation. 2065438+July 2005, Fang Mojie applied for a credit card payment in a bank. During the period, Fang Moujie had consumer repayments one after another. After the last repayment of 20 17 and 1 in June, the bank has not received its repayment. Until June, 20021year, Fang Mojie was arrested by the public security organs in Zhuhai, and the total principal and interest of her overdrawn credit card had reached 300,000 yuan.
After returning to the case, Fang Moujie truthfully confessed his criminal facts. Due to the poor management of the supermarket and the broken capital chain, the ex-husband mortgaged his shop and house for gambling, which made it impossible to repay the money normally. Because she didn't have a fixed residence, no income and no money for the telephone, she went to work in Zhuhai later. She has never received any phone calls, text messages or letters from the bank. Fang Moujie was lucky and no longer fulfilled his repayment obligations.
In July, 20021year, the bank reached an understanding with Fang Mojie and signed an installment repayment agreement after receiving the principal of RMB 6,543,800+0.2 million returned by Fang Mojie's family. The remaining nearly 6.5438+0.8 million yuan was paid off in 60 installments. After trial, Meijiang District People's Court found that Fang Moujie's move constituted a crime of credit card fraud, and made the above judgment according to law.
The judge reminded that "credit card fraud" refers to the act of using credit cards to defraud a large amount of property for the purpose of illegal possession. Malicious overdraft, which is not returned after collection by the issuing bank, also belongs to the crime of credit card fraud. The punishment is fixed-term imprisonment of not more than five years or criminal detention, and the punishment is life imprisonment.
Related Questions and Answers: Related Questions and Answers: I have no job, and my credit card still owes more than 300,000 yuan. What should I do? At first glance, your problem seems to be a dead end: you have no job, no source of income, and you still owe 300 thousand foreign debts
Let me sort it out first: I don't have a job, but I can go all out to start a business and do one thing; Having 300 thousand means having no money on hand
What should I do? Goal-oriented, and strive to return 300,000 yuan within one year.
After clarifying the current situation and goals, I will share with you examples of people who owe foreign debts but turn around in about two years.
In the first example, my cousin owed 400,000 yuan, opened a marinated powder shop, and paid off the debt in less than two years.
My cousin was in debt of 400 thousand, so he had to borrow 50 thousand from his relatives and cook his own food. Many people choose to be a marinated powder shop (he has no money to join other people's brands, so he made his own brand name). There are three reasons for him to make halogen powder: 1, single explosion is easy to do and focus; 2. The operation is simple and easy to use, with a berth area of 20 square meters and low rent; 3, the consumer price is not expensive, but the cost is low and the profit is high;
My cousin used to be a designer. He posted many cartoon pictures in the shop and designed many cartoon pictures, which made the shop very fancy, but young people and children liked it very much. Because of his moderate pricing, customers in the store get a marinated egg for every bowl they eat, so the passenger flow is constant, the business is booming, and there are many repeat customers in the store. He said that basically every month, eating and taking-out in the store earned about1.20 thousand, almost 80 thousand (only a distant cousin was invited to help), so he paid off his debt in less than two years. ...
In the second case, a ping, a high school classmate, owed more than 600 thousand yuan on her credit card, but she turned over after working as an import wine agent for more than a year
My classmate A Ping used to run a etiquette company with good business contacts. But in recent years, her business has lost money again and again, owing 600 thousand various credit loans. There is no way to cooperate with an imported wine supply chain platform after repeated exploration. The imported original bottle of red wine on this platform is super affordable, and the key is that it can be distributed bottle by bottle, which gives operators like A Ping a lot of market operation space.
I asked A Ping why she chose this ordinary product, and she told me four reasons for choosing this product: 1, red wine has a wide audience and the market no longer needs education; 2. Red wine is a high-frequency repurchased product, which continues to make money and has small profits but quick turnover; 3. The supply chain of imported red wine has a platform to solve, and I don't need to bear product risks; 4, simple delivery, no follow-up miscellaneous after-sales service, more worry-free.
Because this platform has low-priced explosive drainage wine, high-end high-quality wine, and personalized red wine for brand women and cool young fashion, A Ping's market operation is particularly handy, and she is a etiquette company, which has accumulated a lot of corporate customer resources, and it is natural to make a net profit of more than 30,000 per month. Moreover, the ordering business for Mid-Autumn National Day and New Year's Day was so good that she paid off her debts and foreign debts for more than a year. ...
Ok, let me finally sum up five key points for paying off foreign debts quickly:
1, never lose confidence in yourself, but keep a cool head;
This time is no longer suitable for working in the company. You must start your own business, but it is very important to choose a good entrepreneurial track. You must reject the so-called tall project, but choose a grounded project that can make money quickly and stably;
3. Think more, study the human nature and psychology of consumers, and provide products and repurchases with high cost performance that they really need;
At this time, you must use other people's platforms and resources to start a business, and don't make any capital investment yourself. It is important to control risks;
5. Thirdly, we must choose the right project and keep a strong will, full confidence and positive attitude. ...
I wish all debtors in the world can pay off their debts as soon as possible and be upright.