My son works for a company with a monthly salary of only more than 900 yuan. Three years ago, staff from five banks - China CITIC Bank, Everglight Bank, Minsheng Bank, Merchants' Bank and SPDB -热情 came to our door and processed five credit cards for him. In May of the year before last, these banks began to constantly urge for repayment, saying that his overdraft amount plus interest had reached 50,000 yuan. My son was unable to repay the money and often went out to avoid the banks' urging phone calls. My old partner and I faced the nonstop ringing of the urging phone calls every day at home, which made us highly nervous all day long. Once the phone rang, we got panic, and when we picked up the phone, our hands and feet trembled. The tone of those who urged for repayment on the phone was also very harsh, mostly saying things like "if you do not repay the money, the judicial procedure will be started". I have coronary heart disease, and once I was scolded loudly by an urging phone call and then collapsed on the ground, unable to get up for half a day.