About a month ago, when the loan shark first came to the door, Wang Yang had just run away with more than one million yuan in the company's account.

In order to allow the company to continue to operate, Ji Xuan swiped all his credit cards, scraped together more than 200,000 yuan, and repaid a bank loan.

But later, he had no money to repay his credit card, and several credit cards were overdue, and he kept calling and texting him.

At that time, the deadline given by the loan shark was getting closer and closer, and Ji Xuan was also very annoyed, how could he have time to care about the overdue credit card.

Besides, he didn't have the money to repay the credit card, he didn't dare to answer the bank's phone once, and then he was even more impulsive, in order to be out of sight and out of mind, he blocked all the credit card call reminders and overdue text messages, but he didn't expect it, so he buried a huge hidden danger!

Credit cards are closely linked to personal credit information, and through credit information, the bank can find all assets and properties in the name of the debtor.

Ji Xuan has no house or car, so the only thing the bank can seize his assets is this company.

In fact, originally, if only one or two credit cards are overdue, the bank will not come to seize them so quickly, and generally give the card owner a period of repayment period, and then pay more liquidated damages and interest.

However, Ji Xuan maxed out the credit cards of many banks at one time, and the amount was large, and it was overdue one after another in a month.

As a result, the banks decided that he was no longer able to repay, so they did not give him much time to repay, and immediately joined forces to seize his company.

It's no wonder that banks, after all, there are too many start-ups in society now, and they all owe a lot of foreign debts outside.

When the capital chain is broken, often all the company's assets are mortgaged more than once, although the bank has risk control in the second mortgage, but there are still many private lending companies outside.

As a result, some companies even mortgage their assets to three or five borrowing institutions at the same time, which appear to be high-spirited on the surface, but in fact they are already at the end of their strong crossbows, and they may collapse at any time.

In the past, it often happened that when a bank wanted to seize the assets of a company, it was found that the assets had already been transferred, including many private lending companies.

As a result, banks are becoming more and more cautious, and once they perceive that a company's risk index has risen to a certain threshold, they will act decisively to reduce losses.

The money owed to the bank is different from private lending, and most of the methods of private lending are threats and persecution, just like what Ji Xuan experienced yesterday.

Banks are different, the power in their hands is much more than private lending, if you want to say that private lending is "hard", then banks are "soft", if you don't repay the money, Ji Xuan's company will not expect to open its doors again.

Flipping out the content of the blocked text messages in his mobile phone, Ji Xuan simply calculated that the arrears of his credit card totaled more than 260,000.

Caring about anything else, he quickly dialed the phone number of a bank with the most arrears, and after pressing the button a few times according to the prompts, soon, there was a manual customer service over there.

"Hello, XX Bank number 0529 is at your service, can I help you?"

The sweet voice of the female customer service sounded, and Ji Xuan immediately hurriedly asked: "I, my credit card is overdue, your bank has blocked my company, is there any way to unblock it?"

After listening to Ji Xuan's question, the female customer service replied: "Sir, please wait a moment, I will help you check the credit card usage record first......

After waiting for a few seconds, the female customer service continued: "Oh, I found out sir, why didn't you answer the call from our bank before?"

"In fact, if you have difficulty in capital turnover recently, you can choose to repay the loan in installments, and before that, your credit situation has been very good, and the arrears of 100,000 yuan can be repaid in up to 24 installments, so that you only need to repay more than 6,000 per installment. ”

Hearing this, Ji Xuan really regretted that he was not at the beginning, he was also forced to faint by the loan shark debt collector at that time, and he blocked the bank's text messages and calls on impulse.

As the customer service said, if he had answered the call from the bank, the customer service would have suggested that he repay the loan in installments, so that the repayment pressure would be much less and the company would not be seized.

But now it's too late to say all this, Ji Xuan gritted his teeth with regret, and then asked;

"Then, can I still repay the loan in installments? Can I lift the seizure of my company after the installment repayment? Otherwise, where will I have the money to repay you in the future?" ”

After a pause for a few seconds, the customer service on the phone replied, "Sir, according to the regulations, after the credit card is overdue, you can't repay it in installments." ”

"Because the installment repayment is only for those users with good credit history, I'm sorry, I can't help you in this regard......"

Getting this result is tantamount to a bolt from the blue for Ji Xuan, and he now has 50,000 or 60,000 yuan left in his hand except for the bank card given by his father.

But there is more than this overdue credit card, which adds up to 260,000, and it is decided not to use the money in the bank card given by his father, where should Ji Xuan go to make more than 200,000?

However, the house leak happened to rain overnight, and Ji Xuan's conversation with the bank's customer service just now was also heard by the twenty or thirty employees behind him.

Suddenly, the employees gathered around again, gossiping to Ji Xuan to "ask for an explanation", in their opinion, the company must be "hopeless", so they must do their best to get as much "compensation" as possible for their own interests.

"Mr. Ji, I have joined our company since the beginning of its establishment, and I can be regarded as a veteran who has accompanied the company all the way, right?

"Yes, Mr. Ji, I have been joining the company for two years, and I have been conscientious in the past two years. ”

"That's right, the company can't go on, although we sympathize with you, but you also have to understand us, we have to look for a new job, there will be a gap in the middle, but the mortgage, car loan will not be because of this gap, there is no need to pay back." ”

"That's right! If you want me to say, this gap period can be as little as one month, as much as three or four months, or even half a year! So I suggest that according to the length of time I have been in the company, severance pay should be paid from at least one month's salary to half a year's salary!"

The other employees chimed in, "Well, reasonable, very reasonable......"

Ji Xuan was still distressed by the overdue credit card debt, and now he has added the "aggressiveness" of the employees, and for a while, he was embattled and anxious like an ant on a hot pot.