My friend Lightning didn't pay back the loan, and he kept threatening me with text messages, asking me to buy a coffin to collect the body and kill my old man!

That's how he scares you, makes you pay back the money, and so does the credit card. He called you everywhere, forcing you to pay back. In fact, these people are most in need. They push others to death for their own commission. Besides, the speech is terrible. My friend called me last time he didn't pay back his credit card. I said something about me and she scolded me. I couldn't find her, so I found a direct slap.