"Wen Tao, why are you free? Don't have to take classes today? ”

"You big boss is really happy, I don't know how to live, today is the weekend, okay!"

Qi Feiyang added tea to him and asked, "You came here to find me, right?" Go ahead! ”

Liao Wentao casually glanced at He Yuling, hesitated, and said, "It's nothing, I just haven't seen you for a long time, and I happened to come over to see you on the weekend!" ”

Qi Feiyang had already noticed that something was wrong with him, and said, "Oh, you haven't been here for a long time, why don't we go out for a walk?" ”

The two of them walked out of the courtyard and walked to the square in front of the Qingxu Palace, Qi Feiyang asked: "Wen Tao, I see that you must have something on your mind, is there anything you need my help with, say it." ”

Liao Wentao's face turned red, and he snorted: "Feiyang, I want to ask you for help with something, but I'm really embarrassed to say it." ”

"Why do you look like a, say it, see if I can help!"

"Feiyang, can you lend me some money?"

"What's wrong? Is there something going on at home? ”

Liao Wentao blushed and said, "I have overdrawn many credit cards, and now I really can't afford to pay it back, and I'm about to overdue!" ”

"Hello, why do you want to overdraft your credit card, there are many, are you crazy?!"

"I was also forced to be helpless, I found a girlfriend in the city, and their family asked my family to buy a three-bedroom apartment in the city, but you also know the situation of my family, just rely on my father to do a small business, my mother has no job, and I just graduated not long ago, I have no savings at all, my father took out the only tens of thousands of yuan, and found relatives to scrape together, only to make up a little more than 70,000 yuan, even the down payment is far from enough."

Liao Wentao paused for a while, and then said: "There is really no way, I heard that there is an entertainment shopping platform called Tian Yiyi on the Internet, saying that as long as you join the membership and participate in the auction of goods on the platform, every time the bid is successfully surpassed, you can get 5%-10% of the price increase dividend, if the bid is not exceeded, you can also get points while getting the goods, and the points can be exchanged for goods on the platform, so I want to fight."

But after several consecutive bids have not been surpassed, a total of more than 60,000 yuan, I was unwilling, so I overdrew a credit card, and then took a few more goods, and spent more than 70,000, or not surpassed, I had to wait for the goods to be shipped, thinking that after getting the goods and then selling them, I could reduce a little loss, but the platform has a requirement to buy 5,000 yuan to ship, but not only did the goods not receive the goods, the money did not have to be returned, and the customer service phone could not be reached, so I knew that I was defrauded. ”

"I guess the prices of the goods auctioned there are higher than the ones outside, right?"

"Most of them are taller than the outside, and some are several times higher!"

When Qi Feiyang heard this, he was really angry and funny, and scolded: "Extremely stupid! You are also a literate person, why can't you even see such a low-level routine? Especially when the price of the commodity exceeds the market price, who will pay a high price for such a commodity of unknown origin? This is obviously a scam of beating the drum and passing the flowers, that is, everyone hopes that there will be a fool behind them, they all think they are the smartest, and they think that everyone else is a fool! ”

Then he asked: "Then you only overdrew more than 60,000 yuan, why do you overdraft multiple credit cards?" ”

Liao Wentao said: "I was very anxious at that time, I wanted to make money back quickly, I heard that virtual currency mining is easy to make money, so I opened a card and invested more than 120,000 yuan, but the platform was also fake, and it didn't take long to even open the website." My monthly salary is only more than 5,000, and I can't afford to repay the loan at all, so I had to open another card, tear down the east wall to make up the west wall, and pay a 10% handling fee when cashing out, and the result is more and more, and I already owe 230,000 yuan with interest. ”

Qi Feiyang just wanted to slap him at this time, and he endured it for a long time before he held back, and said, "I am rich, and I have a lot of money, so I don't need to hide this from you." But you have to learn a profound lesson this time, or you will repeat the same mistakes in the future! ”

"Feiyang, I'm really desperate, this is ......"

"I can lend you 250,000 yuan, but my brother will settle the account, you must write an IOU for me, and you must pay it off within 5 years, and I won't charge you interest for the sake of my old classmates!"

"Thank you, Feiyang, you really saved my life! I'll write you an IOU right away! ”

Qi Feiyang watched Liao Wentao take out a pen and paper, squatted down and wrote an IOU with a trembling hand, sighed, and said: "Wentao, but as a classmate and friend, there are a few words I have to say, if you can't listen to it, just let me fart!" ”

Liao Wentao said absentmindedly while writing an IOU: "You say, I will listen to what you say!" ”

Qi Feiyang said: "There are so many fraud cases now, I don't believe you haven't seen or heard the kind of exposed news, I just want to persuade you, don't be greedy if you're cheap, you will suffer a big loss if you're greedy for a small bargain, when you're greedy for someone's high dividends, people are eyeing your principal!" When you see that there is an easy way to make money, it is best to think about it first, how can I be virtuous, how can such a profitable business be made by me?

Secondly, don't overdraft your credit card, it's best not to open a card, the bank is very enthusiastic when you open a card, and you don't have a little bit of affection when you want to repay the money. ”

Liao Wentao gave the IOU to Qi Feiyang, nodded again and again: "You're right, I won't dare to do such a stupid thing again if I am killed in the future!" ”

Qi Feiyang asked for his account number, transferred 250,000 yuan, Liao Wentao thanked him repeatedly, and rode away.

Qi Feiyang looked at his departing back and let out a long sigh, he knew that banks were desperately issuing credit cards in order to create benefits, regardless of whether people had the ability to repay, and even college students were spared, which led to many young people with no social experience spending in advance, making many families in trouble, which will definitely cause a lot of social problems.

In recent years, there have been many reports of young people desperately swiping credit cards to make bankrupt money, and it stands to reason that the relevant departments should pay attention to it, at least there should be restrictions on those who have opened multiple credit cards and overdrafted.

He saw Liao Wentao's mental state just now, and knew that now his mentality has been broken, an honest person has been ruined like this, and he can only rely on himself for what the road will be like in the future.

Back at home, He Yuling saw him come back alone and asked, "Where is Wen Tao?" I think he seems to have something on his mind, what's wrong? ”

Qi Feiyang briefly told her about Liao Wentao, and He Yuling said in surprise: "How could such an honest person as Wen Tao make such a low-level mistake?" This bank is also yes, how can you lend money to others casually? Isn't that harmful! ”

Qi Feiyang said: "Mom, let's just leave these things alone, everyone has their own way, see how he chooses." If you have principles and opinions, don't be greedy, no matter how clever the liar is, he will not be fooled! ”

"That's right, it's better to be a down-to-earth person, how much ability to do big things, how much money you have, how much money you have, you must not be whimsical, thinking that pies fall from the sky and get rich overnight, and in the end it may not be pies but discus!"

"Mom, I totally agree!"