E Jing Chu Net reported by reporter Yong Jun Lin: "I thought I was helping him at first, but now I feel that I was actually hurting him." Yesterday, 56-year-old Zhang Shixiu who lived near Zhongbei Road said sorrowfully. Previously, Zhang Shixiu helped her son repay the overdraft on his credit card many times. For the same reason this time, she mortgaged her only property as she had no savings.
Zhang Shixiu's son is named Zhang Ming (a pseudonym), 26 years old, whose parents got divorced when he was two years old. In 2004, Zhang Ming graduated from a university in Wuchang and the next year, he worked as the manager of the customer department in a well-known domestic securities company with a substantial monthly salary. "In early 2007, he felt that the securities industry was not good, so he quit." Mrs. Zhang recalled that later her son was introduced to trade futures, during which he applied for four credit cards. Unexpectedly, he soon became unable to repay the debts due to the credit card overdraft. In September and November 2008, Zhang Ming borrowed 42,000 yuan from her twice to repay the bank and wrote an IOU.
"I thought he would learn from his mistakes, but..." Zhang Shixiu said sorrowfully, since February this year, her son came home less and less often until mid-September, when the bank staff came to her house saying that Zhang Ming owed the bank a lot of money and it must be repaid on time. Zhang Shixiu was greatly shocked. Upon investigation, it turned out that her son had overdrawn three credit cards and owed the bank nearly 70,000 yuan.
Zhang Shixiu, who has been laid off for many years, now lives solely on her monthly retirement pension of 1,100 yuan. "No matter what, he is my son after all, and I must give him another chance," After much consideration, Zhang Shixiu gritted her teeth and mortgaged her only house (with a floor area of 36.46 square meters). Zhang Ming's father, who was also financially tight, reached out to help repay the debt.
Yesterday, the reporter contacted Zhang Ming by phone. His voice on the other end of the phone was low. He said guiltily, "I am very sorry to my mother. It's my fault. My mother has to bear the consequences of my mistakes. I will not make the same mistake in the future. I will work hard and repay my parents' kindness."