A man in Guangdong recently discovered that his bank’s cloud flash payment app showed an outstanding debt of 10 trillion yuan (Chinese currency), despite him claiming to have been using the overdraft limit normally and repaying on time. The man expressed confusion over the origins of this debt, which quickly became a hot topic on January 8th.
According to a report from “New Yellow River,” a publication under the Jinan Daily Newspaper Group, on January 7th, Mr. Qin, a resident of Guangdong, revealed to the media that he had previously applied for a Everbright Bank’s quasi-credit card. However, shortly after, his credit report showed as “overdue,” causing other financial institutions to interpret his credit as problematic, leading to difficulties in obtaining loans. Despite Mr. Qin’s claims of regular usage within his credit limit and timely repayments, no instances of being “overdue” were present.
After multiple discussions with the bank, the card was removed from the credit information system. However, a month later, Mr. Qin discovered an outstanding debt of 10 trillion yuan on this card through the cloud flash payment app. Strangely, this debt only appeared on the credit card repayment section of the app and not in the transaction records of Everbright Bank.
After numerous negotiations with Everbright Bank, the record of this staggering debt was finally removed. Over the past two years, Mr. Qin has engaged in multiple communications with the bank, yet they have failed to reach a consensus.
Mr. Qin stated, “These series of events have damaged my personal credit information, leading to financial problems and significant business losses. To this day, I still do not understand how this massive debt of 10 trillion yuan appeared.”
Regarding the issue of the “10 trillion yuan outstanding debt,” customer service from Everbright Bank told the media on January 7th that there could be a possibility of inaccuracies being displayed by third-party platforms.
The report mentioned that some users of Everbright Bank’s quasi-credit cards have also experienced situations where they were rejected loans by other banks due to credit report issues despite using their overdraft limits normally.