What happened to the college student Michelle Reis who used a credit card loophole to steal 23 million yuan to buy an RV?

“We will not be held responsible if the cash is counted in person, and if it leaves the counter” is a very conspicuous slogan at the bank’s business window. However, don’t think that the bank is really irresponsible. Even if the bank gives you more money, It's 1,000 yuan. In the end, the bank will still pursue you and make you lose the money. But if the bank pays less and you sign and leave, then the bank will not be responsible.

There is also an incident that has been on the hot search. A man named Su in Shenzhen had an extra 10 million yuan in his bank card three years ago. This was like pie in the sky, so Su So he started "buying, buying, buying" and spent all the money in three years. However, Su was eventually criminally detained by the police in accordance with the law.

Many people are dissatisfied with this. They feel that it is not the bank itself that said "it is not responsible for leaving the counter", but it is just spending the money on their own bank cards, so why is it breaking the law? In fact, it is easy to understand. If the bank gives you more money, it can provide evidence that you have unjust enrichment. If the bank card has an extra 10 million yuan for no reason, it is also unjust gain. evidence.

But 6 years ago, an international student named Li Jiaxin discovered a loophole in her credit card and stole 23 million yuan to buy a RV. What happened now? It is not unusual to have a credit card, but it is unusual to have a credit card with unlimited overdraft and unlimited limit. The matter actually started in 2012, when Westpac Bank of Australia issued such a card to Michelle Reis due to operational errors.

In 2014, Michelle Reis discovered this vulnerability, but she did not choose to inform the bank. At first, Michelle Reis was very worried and scared, but Michelle Lee gradually understood this loophole and tried it. So starting from July 2014, Michelle Lee used this card without any scruples. As of April 2015, Michelle Reis When the fraud was discovered, she had overdrafted 4.6 million Australian dollars, equivalent to 23 million yuan.

The bank asked Michelle Reis about the whereabouts of millions of Australian dollars, but Michelle Reis claimed that it was given by her parents. In May 2015, Michelle Reis attempted to leave Australia, but she was arrested before leaving and was deceived. Charges of obtaining financial advantage, fraud.

However, on December 1, according to Australian media reports, the Australian prosecutors dropped all charges against Michelle Reis. Michelle Reis’s lawyer stated that the prosecutors believed that Michelle Reis did not engage in any deception or fraud. Due to the bank's fault, Michelle Reis eventually returned to Malaysia after the case was concluded, while Westpac Bank, which had suffered a "loss", improved its policies.

Although many netizens criticized Li Jiaxin’s behavior and believed that “you can spend as much money as you want according to your conditions”, it is actually more troublesome to check in from She She; some others said, “It is obvious that I have encountered Why hesitate when it comes to getting pie in the sky?"

As we all know, "getting something for nothing" is a very bad habit, but it is undeniable that many people really want to enjoy it, especially some people who ridicule it. Said: "My biggest dream is to make money without working."

But opportunism is indeed not a long-term solution, and not everyone is as "lucky" as Li Jiaxin. If this happened in other places, Country, Michelle Reis may have to go bankrupt and pay this money. Do you agree?