When Chen Yu realized he had been scammed by an online lending platform, he felt no remorse whatsoever; instead, he felt a surge of excitement.
Next, following the same process, Chen Yu opened and registered on all the loan platforms downloaded on his phone, applying for loans one by one.
Soon, the phone started ringing with notification sounds.
Seeing that his account balance had reached more than 130,000 yuan, Chen Yu couldn't help but smile.
Despite his nominal loan amount reaching 300,000, he was not worried at all.
From the moment he borrowed the money, he never intended to repay it! He already had a plan in mind for dealing with these shady platforms.
However, to his disappointment, these platforms were stingy and didn't give him a very high amount of money.
The later the period, the lower the credit limit he was given, and the higher the interest rates became.
There were even cases where someone was only lent 3,000 yuan, but only 500 yuan remained in his hands. However, a month later, he was asked to repay 3,900 yuan.
This is practically blatant robbery!
Seeing this, Chen Yu decisively gave up the idea of continuing to take advantage of the situation.
His time is precious, and he's too lazy to deal with this little bit of money.
He now has 130,000 in his account, enough to keep him going until he "wins" the lottery next month!
After tidying up and washing up, Chen Yu lay down on the bed.
Everything felt like a distant memory, giving him a sense of unreality.
Feeling the soft mattress and warm blankets calmed him down a little.
He already has a preliminary plan for what's to come.
There are 20 months left until the end of the world.
During this time, he must build a sufficiently secure post-apocalyptic bunker and stockpile enough supplies.
If possible, it would be even better to get some handy weapons.
However, given his current precarious financial situation, the doomsday fortress is definitely not going to be built.
Similarly, his stockpiling of supplies was also limited by his financial constraints.
Moreover, since he had the advantage of having an extra dimension, he had a bold idea in mind and had no intention of spending money to buy supplies.
However, implementing this idea would involve enormous risks, and the timing is not yet right, so it can only be postponed.
Now that there are still 28 days until the lottery draw in his past life, he naturally won't waste it.
With 130,000 yuan in hand, he could prepare in advance for building the bunker.
He decided to start his field trip in the next few days to find the best location to build the bunker.
"Let's rent a car tomorrow, that would be more convenient," Chen Yu murmured, gradually drifting off to sleep.
…………
The next day, at 8 a.m., Chen Yu was startled awake by his alarm clock.
He suddenly stood up, and only when he confirmed that everything around him was still peaceful did he feel relieved.
Yesterday's events were not a dream; he had truly been reborn and resurrected!
Taking a deep breath, Chen Yu got up, washed up, and began his second day of life after his rebirth.
After finishing breakfast downstairs, he was just about to head to the car rental market when his phone rang.
The call came from an unfamiliar number in the same city, and Chen Yu answered it with some suspicion.
A clear female voice came from the other end of the phone: "Hello Mr. Chen, this is a customer service manager from Xinfeng Financial. Do you have any loan needs?"
Chen Yu frowned upon hearing this. He had received advertising and sales calls before in his previous life, but he had never heard of a call promoting loans.
However, he quickly realized that the shady platform must have packaged and sold his information last night.
He initially wanted to hang up the phone, but then he thought, since the other party was offering him money, what reason did he have to refuse?
"I recently received a batch of goods, and my funds are indeed a bit tight," Chen Yu said without batting an eye.
"Mr. Chen, we offer high loan limits and fast disbursement, making us ideal for working capital needs. May I ask what kind of business you run?"
Upon learning that Chen Yu was in business, the person on the other end of the phone immediately changed how they addressed him.
"Building materials," Chen Yu said without hesitation.
"Mr. Chen, the building materials business has indeed been somewhat difficult these past two years, and it's understandable that we're facing a temporary cash crunch. Many of our clients are business owners in the building materials industry!"
"Yes, that's right. So, what's the loan process like?"
"When do you have time to come to our company for a face-to-face meeting? Our manager will explain everything to you in detail."
Chen Yu frowned upon hearing this: "So troublesome?"
"Hehe, Mr. Chen, you've probably misunderstood. We are a legitimate lending platform that partners with major banks, not those online lending platforms. The process is naturally a bit more complicated, but the loan amounts are higher, and the interest rates are much lower than those of online lending platforms," the person on the other end of the phone explained.
Upon hearing that the other party was offering a "legitimate loan," Chen Yu frowned even more deeply.
His principle is that once he borrows, he never considers repaying; "legitimate loans" are not within his scope of exploiting loopholes.
After all, "legitimate loans" will be reported to the credit bureau, so he has to repay the money!
There are still nearly 20 months until the end of the world. If he becomes a person who has broken his promise, it will cause a lot of trouble for his actions before the end of the world.
"Mr. Chen, are you listening?"
"Um, what's your interest rate?" Chen Yu asked. He was indeed short of money right now, and if the interest rate was reasonable, he wouldn't mind using it temporarily.
"Our interest rates range from 6% to 12%, depending on individual qualifications."
"6% interest?" Chen Yu asked again. 6% interest is 0.6%, which translates to 7.2% per annum.
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