Real Life Chronicles
One commenter said:
Every time I see a post about lending money to someone else, I want to curse. Aside from parents and siblings, if someone asks to borrow money, hand them a mirror first. In this day and age, where can't you borrow? Banks, credit cards, Huabei... You come to me? Get lost. Am I your wallet? If you have money, spend it; if not, go earn some. The real reason they're asking you is to get a cheap loan, or they never planned to pay it back anyway. Why give such a person any face? So apart from parents and siblings, anyone else who asks gets my curses.
The general consensus among everyone: unknown online loans can be treated as never having existed and don't need to be repaid, but bank credit card debts must be paid.
A reply from a bank credit card department's debt collection team: interest can be negotiated for reduction or forgiveness with the bank, but the person pursuing collection also needs approval from their superiors, and each level has different limits on how much they can reduce.