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The author:(作者)归海一刀published in(发表于) 2014/3/24 4:27:32 Bank pull black father， daughter Bank： we do not see，
Bank pull black father, daughter Bank: we do not see Ah-credit cards, banking blacklist-IT information Bank pull black father, daughter Bank: we can't do it
A few days ago, aged 28, minina (pseudonym) crazy over the years using credit card overdrafts, owe the banks more than 200,000 were unable to repay, in desperation, to raise money to help her at home.
Minina has guaranteed they will no longer use credit cards, but her father, Mr King remains concerned that over time the same thing will happen again, dares to imagine home unable to repay, then children are facing jail time.
He contacted a number of banks, hoping to pull her daughter into the blacklist, so she can't handle any credit, but his proposal was not supported by the Bank.
Fate:
Over more than 10 credit cards owed to 230,000
Yesterday, King Mr to North Green reported reporter show has minina using had of part credit card, saw mag of a da credit card in the, has wide issuing, and Hutchison gold sunflower card and cherry small meatballs fans card, and CITIC double coin card, and cross line Pacific card, and BOC credit card, and Everbright bank credit card,, and several home Bank release of credit card also more than a Zhang, plus up altogether have has ten several Zhang, which a Zhang wide issuing also is she MOM of name.
The payment voucher from Mr Wang's hands can be seen, from March 10 to 14th this year in just five days ' time, he got minina 9 cards total debts of around 190,000 dollars, of which 3 wide for the issuing of a total payout of up to about 110,000 yuan, China Merchants Bank two card total of about 46,000 yuan.
"This is not done, also come to know that the money, China Merchants Bank card has a 12-month installment, now owes more than more than 40,000 yuan haven't paid off yet, plus the money, get the kids all about credit card debt paid off the total is 235,000 yuan. "Wong reluctantly told reporters.
Why:
Cards primarily to buy, drink and new clothes
Minina frantically use credit card overdrafts are probably from 34 years ago, "when I see she was squandering money, often reminding her, old credit is a problem, borrowed from banks money is not good, but she was always unabashedly said ' no problem, don't worry. ' ”
King Mr said, minina brush credit card main for in outside eating, and buy clothes or something, also Shang 1th, shop, and Beijing East, the big shopping website buy some hair cashmere toy, and clothing, and commodity,, most badly of is long a time within, home daily are has express door, average daily to received two or three pieces, and buy back of things lots are nothing with, like three hundred or four hundred Yuan from online buy of State took have camera, play days not fresh has, 350 Yuan on to sold has.
Experience:
Father verify amounts owed them one by one for the woman but also the money
March 8 is the weekend, Mr Wang got from minina credit card problem-bad news, and the number is more than 200,000 yuan. Although Mr King what you say "nothing to do with me, it is not on the ' inside '," so that night still didn't sleep all night, and, that is, after all, their own children, for fear of ruining her life, how has to help her out. So the next morning, Wang started to run the Bank, holding minina's credit card and ID verification of the authenticity and the specific amount of each debt, and then raise the money March 10, each repayment.
"Now money is basic paid has, can pin of card also are let minina face with hands-free phone cancellation has, she also guarantee said yihou no longer handle and using credit card has, but from TV in see of multiple case let I think, credit card overdraft overindulgence of situation with drug almost, is will addiction of, really fear she had paragraph time and to Office new of credit card, then again also of errors. ”
Voices:
"Please take my daughter's ' black '"
In order to avoid minina repeat it in the future, a few days ago, he contacted several banks credit card Center, hope they will blacklist minina, won't give her my credit card, but the Bank staff are required to maintain customer privacy, affect future loans, himself, refused his request.
In desperation, Mr King got the idea to turn to this newspaper, hoping to help appeal, "family for her money, does not mean that the child solvent, if we can pull her black can prevent subsequent offence, is responsible for the child, is also responsible for State property. ", Says Mr WONG, minina is earning more than 5,000 yuan a month, she was able to do so many credit cards, and lines from thousands of 350,000 has, he questioned the mass chaos of issued credit cards by the Bank, wants banks to the card issuer before the more stringent review of the applicant's actual ability to repay.
In response to:
To cardholder can bank notes was no longer cards
Yesterday, North Green reported reporter to GF bank credit card Center called Advisory minina home this class situation should how processing, wiring of customer service personnel said, they Bank no blacklist of claims, only levy letter bad of points, as long as can on time repayment on will was think levy letter good, is by Bank welcomes of holding card people, Bank also no reason put such of customer for so-called of pulled black processing.
The operator said, minina is an adult, she has separate civil capacity, understand their rights and obligations, card also has its own habits, bad interference. But, this situation best also is family sat down good communication, and for consultations settlement, also can in card paid of situation Xia, by card main I called to credit card Center for cancellation, while do a notes registration, indicates that yihou no longer Office card of wishes, "such, yihou again handle related business Shi, staff can see notes information and as reference, but also cannot guarantee must on no handle. ”
Dialogue:
"I have only the minimum amount, but the banks have never worried about my ability to repay"
Beiqing reported: when was your first credit card? So how come is going to be better then? Why do you have a picture in my mother name?
Minina: first card is 2008 's new work will soon be done, under a normal card, the amount is not high, and about 5000 dollars, and later, some recommended banking company, to expand the credit card business, together with friends, charge d ' affaires, gradually had a dozen cards.
My mother's name that wide Hairpin, because a classmate's friend working in that Bank, card task, let me help, fill in the form, I used my mother's ID number to help him fill a piece, even to photocopy. I know a bank to apply for a credit card is to survey information such as income, that card would not do that, it could be, but after 10 days, this card was sent to me by the hand. I'm not using the card to MOM, for my money, mainly taken from the card or other card, temporary working capital purposes.
While I almost each are only also minimum also amount, but Bank seems from not worried I of repayment capacity, I of credit card lines instead in constantly improve, like Hutchison, almost each half will to I made to SMS, active asked I needed not needs improve credit card of lines, I General are not refused to, so, this Zhang card of lines on from original of 5000 Yuan a step step refers to has now of fifty thousand or sixty thousand Yuan.
North Green: how huge debts owed to banks more than 200,000 produced?
Minina: buy small things are not worth anything, there is no large consumption. To payments when money is running out, only the minimum payment, and later developed into the old Cary money withdrawing from the new card, rolled up to now, the total monthly minimum payments are very high, so I wanted to give this card to settle, or too much pressure. I envision all card owes a total of 60,000-70,000 yuan, plus interest at the 90,000-100,000, and borrow some at home should be no problem, would give the banks called to confirm the amount, but at last count more than 200,000 of debt is larger than the expected 1 time has more than doubled.
North Green: after do you still intend to use credit cards?
Minina: I now on Bank of high interest and myriad of procedures fee quite subject of, paid of card also are cancellation has, can on in this during, some Bank also to I hit has phone, hopes I can continues to using they of credit card, also said can to I lifelong from years fee of offers, and left with card can emergency turnaround or something, which who Bank in I just also finished money Shi on made to has SMS, said I of arrears has all paid, can continues to with card has, but I also is strongly put these card are PIN has.
父亲求银行拉黑女儿，银行：我们做不到啊 - 信用卡,银行黑名单 - IT资讯父亲求银行拉黑女儿，银行：我们做不到啊
日前，28岁的小娜(化名)几年来疯狂使用信用卡刷卡透支，欠下银行20余万而无力偿还，无奈之下，家里筹钱帮她还了。
虽然小娜已经当面保证今后不再使用信用卡了，但她的父亲王先生仍然担心过段时间同样的事情会再次发生，也不敢想象到时候家里无力偿还、孩子面临牢狱之灾的情形。
他主动联系了多家银行，希望能把自己的女儿拉入黑名单，让她以后无法再去办理任何信用卡，但他的提议却没有得到银行的支持。
缘起：
办了十余张信用卡欠下23万
昨天，王先生向北青报记者展示了小娜使用过的部分信用卡，只见花花绿绿的一沓信用卡中，有广发卡、招行金葵花卡和樱桃小丸子粉丝卡、中信双币卡、交行太平洋卡，以及中行信用卡、光大银行信用卡等，而且好几家银行发行的信用卡还不止一张，加起来一共得有十好几张，其中一张广发卡还是她妈妈的名字。
从王先生手中的还款凭证可以看出，今年3月10日至14日短短五天的时间里，他总共替小娜还了9张信用卡的约19万元欠款，其中，3张广发卡的还款总额就高达11万元左右，招行的两张卡共约4.6万元。
“这还不算完，还钱的时候才知道，招行卡中有一张办了12个月的分期付款，目前还欠着4万多元没还清呢，加上这笔钱，把孩子所有信用卡的欠款都还清一共是23.5万元左右。”王先生无奈地告诉记者。
缘由：
办卡主要是为了吃喝和买衣服
小娜疯狂地使用信用卡刷卡透支大概是从三四年前开始的，“那会儿，我看她总是胡乱花钱，就经常提醒她，老刷信用卡可别出什么问题，银行的钱不是好借的，可她总是满不在乎地表示‘没问题，放心吧’。”
王先生说，小娜刷信用卡主要用于在外面吃喝、买衣服什么的，还上1号店、京东等各大购物网站买些毛绒玩具、衣物、日用品等，最厉害的很长一段时间内，家里每天都有快递上门，平均每天要收两三件，而且买回的东西好多都没什么用，比如三四百元从网上买的立拍得相机，玩儿几天不新鲜了，三五十元就给卖了。
经历：
父亲逐一核实欠款替女还钱
3月8日是个周末，王先生从小娜那里得到了信用卡出问题的坏消息，而且是20多万元的大数目。王先生虽然嘴上说“跟我没关系，还不上就‘进去’吧”这样的话，当晚还是一宿没睡，左思右想，觉得毕竟是自己的孩子，怕她一辈子就此毁掉，怎么也得拉她一把。于是，第二天一早，王先生开始跑银行，拿着小娜的信用卡和身份证核实每一笔欠款的真实性和具体数额，然后就是筹钱，从3月10日起，逐一还款。
“现在钱是基本还清了，能销的卡也都让小娜当面用免提电话注销了，她也保证说以后不再办理和使用信用卡了，但从电视节目里看到的多个案例让我觉得，信用卡透支无度的情况跟吸毒差不多，是会上瘾的，真怕她过段时间又去办新的信用卡，然后再犯同样的错误。”
心声：
“请把我女儿‘拉黑’吧”
为了避免小娜将来重蹈覆辙，前几天，王先生联系了几家银行的信用卡中心，希望他们能把小娜列入黑名单，以后不再给她办理信用卡，但是银行工作人员都以维护客户隐私、影响以后贷款、需要本人出面等理由拒绝了他的请求。
无奈之下，王先生想到了求助于本报，希望能帮助呼吁一下，“家里人替她还了钱，并不代表这个孩子有偿还能力，如果能把她拉黑就能杜绝以后再犯，既是对孩子本人负责，也是对国家财产负责。”王先生说，小娜一个月也就挣5000多元，她竟能办出这么多张信用卡，而且额度从几千到三五万的都有，他对一些银行大肆发行信用卡的乱象表示质疑，希望银行在发卡前对申请人的实际偿还能力进行更加严格的审查。
回应：
卡主可向银行备注自己不再办卡
昨天，北青报记者给广发银行信用卡中心打电话咨询小娜家这类情况应如何处理，接线的客服人员表示，他们银行没有黑名单的说法，只有征信好坏之分，只要能按时还款就会被认为征信良好，是受银行欢迎的持卡人，银行也没有理由把这样的客户进行所谓的拉黑处理。
这位客服人员还说，小娜既然是成年人，她有独立的民事能力，懂得自己的权利和义务，也有自己的用卡习惯，别人不好干涉。不过，这种情况最好还是一家人坐下来好好沟通、进行协商解决，也可以在卡片还清的情况下，由卡主本人打电话到信用卡中心进行注销，同时做一个备注登记，表明以后不再办卡的意愿，“这样，以后再办理相关业务时，工作人员能够看到备注信息并作为参考，但也不能保证一定就不予办理。”
对话：
“我只还最低限额，但银行从不担心我的还款能力”
北青报：你第一张信用卡是什么时候办的？后来怎么就越办越多呢？怎么还有一张在妈妈名下？
小娜：第一张卡是2008年刚工作不久办的，属于正常办卡，额度也不高，大概5000元，后来，有些银行来公司上门推荐、拓展信用卡业务，加上由朋友代办的，渐渐地就有了十几张卡。
我妈妈名下的那张广发卡，是因为一个同学的朋友在那家银行工作，有办卡任务，就让我帮忙填张表，我就用我妈妈的身份证号帮他填了一张，连身份证复印件也没要。我知道银行办信用卡是要调查收入状况等信息的，认为这张卡根本就办不下来，可没想到10天后，这张卡就被送到了我的手里。我用这张卡倒不是想让妈妈替我还钱，主要是从这卡里取现去还其他卡里的钱，临时周转用。
虽然我差不多每次都只还最低还款额，但银行好像从不担心我的还款能力，我的信用卡额度反而在不断提高，比如招行，几乎每半年都会给我发来短信，主动询问我需不需要提高信用卡的额度，我一般都不拒绝，于是，这张卡的额度就从原来的5000元一步步提到了现在的五六万元。
北青报：欠银行20多万的巨额债务是怎么产生的？
小娜：买的其实都是些不怎么值钱的小东西，没有什么大额的消费。到还款的时候一看钱不够了，就只还最低还款额，后来发展到从新卡中取现还旧卡里的钱，滚到现在，每个月总的最低还款额都很高了，所以就想把这些卡结清，否则压力太大。我心里预想的是所有卡总共欠了6万-7万元左右，加上利息顶多9万-10万，先跟家里借点儿还上应该问题不大，就给这些银行打电话确认数额，没想到最后算出了20多万的债务，比预期多了一倍还多。
北青报：以后还打算再用信用卡消费吗？
小娜：我现在对银行的高额利息和名目繁多的手续费挺抵触的，还清的卡也都注销了，可就在这期间，一些银行还给我打了电话，希望我能继续使用他们的信用卡，还说可以给我终身免年费的优惠、留着卡可以应急周转什么的，其中一家银行在我刚还完钱时就发来了短信，说我的欠款已全部还清，可以继续用卡了，但我还是坚决把这些卡都销了。
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