信用卡欠款問题

1. Simple - interest.

2. Nowhere. Since you have no attempt to make any payments, so whatever agencies you file complaints with will determine you are at fault.

You may be able to argue with the bank (for statute of limitation) and negotiate a better solution. Other than that, you will get nowhere.

從資料顯示，是複式年利率，以18％計算下而成。

你十年前撇賬，十年後同樣可撇賬，對你有何分別？有何好討？