With the expansion of consumer finance, the number of people using credit cards is increasing and has become a necessity in many consumers' lives.
Credit cards, as the name implies, rely on credit.
In fact, the credit system of western countries has more than 150 years of history, relatively perfect integrity system has been formed.
In Western countries where market economic is highly developed, everyone and every enterprise has a unique, lifelong and non-change credit number in which all individual and corporate credit performance will always be recorded. Credit information is shared across the national network, people's economic behavior is recorded, the lack of credit will be difficult to do.
But if a person is just a visitor to a country, the title of "lack of credit" doesn't follow itself, it doesn't matter if it's right or not.
Yes, there is a loophole here.
If there is a gap, there will be some Chinese who want to drill.
There has recently been a wave of online discussions that stem from the questions that are often seen on the Internet:
"what are the consequences of brushing out credit cards before returning home?"
"did something happen to parliament when he blew up his credit card and ran back?"
"studying in Sydney, now back home, the credit card on this side of the brand-new explosion, what are the consequences?"
"if you owe an Australian credit card to parliament, you will not be caught. Will it affect the handling of domestic credit cards when you return home?"
"will Australia be prosecuted after it has not returned home?"
"I owe the electricity bill, I don't want to pay it on my cell phone, so I go straight home."
To many overseas Chinese, this kind of behavior seems to have been common for a long time.
Recently, the news reported that there was a group of Chinese students in Australia who were prepared to return home after completing their studies and did not come back again, so they used credit cards to buy large quantities of high-priced items and then sold them at ultra-low prices to collect cash. Then buy a one-way ticket to fly back to China, do not pay the card debt, go away.
All these people felt that, since they were not coming back, it would be better to make a final profit before leaving.
In addition to the simplest and harshest way to withdraw large amounts of cash from ATM, international students buy lots of items and sell them cheaply to cash out.
These items include shopping malls gift cards, televisions, microwave ovens, computers, cameras, designer wallets and perfumes.
The Chinese-American men reported in the news also brazenly said they just wanted to cash out their credit cards and would not come back home, nor would they worry about affecting the credibility of the loans.
In fact, there are still a lot of people who think so, and although this approach has a certain amount ceiling and is easily noticed by banks, they think that only "ahead of schedule", such as taking money in small amounts at different times, You can gather a sum of money to spend in a short time, and then fly back to China and never come back.
It is just that neither the netizens nor the clients have thought that the impact of these actions is far beyond what we can imagine.
First of all, the impact on their own, do not think credit card companies are easy to deceive, credit companies generally have a risk assessment department to record cardholders' consumption habits.
If you spend normally and then one day suddenly overspend, you may be suspicious. At that time, cardholders may need to give a reasonable explanation to the credit card company in order to complete the transaction.
After deceiving, the credit card company does not want to arrest you, but it is not time.
Because with the development of network system, many industries around the world have implemented information sharing, credit card companies are no exception, all cardholders' information can be tracked.
Even if the party flies back to China or other countries, as long as the credit card company deems it necessary to recover the arrears, it will hire a special debt collection company to collect the debt.
Once the amount has reached a certain level, the person concerned may be arrested.
Although Australia and China have not signed extradition treaties for the time being, they cannot be subjected to arrest, but Australian police can send arrest orders to other countries that have extradition treaties with Australia if the banks make it clear that they want to hold law accountable.
Once the leave China steps on the land of these countries, they are likely to be extradited to trial after the arrest.
Even if he was caught, this behavior also threw a large basin of dirty water on the vast number of Chinese.
As mentioned at the beginning of the article, the western credit system has a history of 150 years. Because too many Chinese take advantage of the gap, both overseas businesses and civilians will lose trust in the Chinese.
Take purchasing agents for example. During the discount season, many purchasing agents will almost buy the goods at discount, and then return all the items that have not been sold after the discount season.
What's the result? The overseas purchasing is happy, but more and more overseas shops make various restrictions on the return of Chinese goods. Even if you don't, the shop assistant gives you a white eye.
In the past, the purchase of luxury goods in Australia can be returned directly without reason to refund, now basically can not be refunded, can only be returned to the store credit.
There is a growing trend for credit cards to become fraud cards, with people in the banking industry even saying:
"if this goes on, no overseas company will issue a credit card to the Chinese, even if it does, it will have to go through more stringent scrutiny than anyone else."
It is very difficult to establish credit in the current society, but it is much easier to destroy. For this small profit, the image of the Chinese is smeared, and the other compatriots who stay abroad are embarrassed.
This is Chinese clever, natural good at circumventing a variety of rules, can always come up with a variety of small tricks, such as green light direct walk, yellow light grab walk, red light around the walk.
Australian police have a strong sense of service, when foreign tourists do not know the road, police officers do not have any special tasks, will be very eager to use police cars to send you to their destination.
So many Chinese tourists with maps, in front of the police pretending to be unable to understand English, confused look, only with a "Thank You", saved a fare.
As a result, some of the Chinese who have taken advantage of it have been complacently sharing their "little intelligence" on the Internet, laughing at how "stupid" the Australian police are.
Then a lot of people followed suit, many Australian police discovered these people's routine, began to learn simple Chinese to deal with.
This kind of thinking goes deep into everyone's heart, and everyone accepts it with peace of mind.
Although everyone has taken advantage of the small advantage, but in the end, the whole society has to pay for this kind of intelligence, such as some netizens said:
Buy pork, I don ' t know if this pig grows up with lean meat;
Buy steamed bread, do not know whether steamed bread is smoked with industrial sulfur;
Buy milk powder, do not know if there is melamine or sex hormone inside;
Buy some medicine, do not know whether the capsule is made of old leather shoes;
Buy stocks, I do not know if the fund manager built a rat warehouse;
Enter the hospital, do not know the prescription prescribed by the doctor is to earn more money;
Buy house, do not know the building area provided by developers, cover area, use area is true or not.
We are very clever, but many of our cleverness does not translate into productivity, but counteracts each other, because we are calculating each other, and at the end of the day we are on the back, guard against each other, and people are at risk for themselves.
It ' s not clear who said what once said, probably means:
The design of any system, even the system set by the world's top universities and elites, cannot withstand the test of the Chinese. Because the Chinese are the most sophisticated, they are pervasive, and even the perfect system is still invincible.
If you look at the reality of Chinese students at Australian universities, a large number of Chinese students have spent their careers looking for easy-to-pass "water" classes and hard-to-find plagiarized homework samples.
Lin Yutang, a master of Chinese studies, once said:
"But I fear that the Chinese are smart and well-dressed, and the end is wrong with this kind of cleverness. The weakness of China is caused by being too smart."
At present, more and more countries are being forced to stop the "love of the hole" of the Chinese people, those "too smart" Chinese people are keeping others away from us.