After leaving Jinxiu Tower, Su Jinxiu hailed a taxi and returned to the shabby apartment she had rented after being thrown out of her own home.
The one-bedroom unit measured less than forty square meters. Compared to the luxurious four-hundred-square-meter riverfront penthouse she had once lived in, it was like comparing heaven and earth.
But Su Jinxiu didn’t care.
She rummaged through an old leather handbag and took out her ID card along with a private bank card that held only 18,000 yuan.
That was everything she had left.
Not enough.
Not even close.
Within ten days, she intended to use this tiny sum to leverage an astronomical fortune—and prepare an unforgettable “gift” for that adulterous couple and the two ungrateful brats.
Without a moment’s hesitation, she pulled on a baseball cap and walked into a smoke-filled internet café on the corner.
“I need a computer,” she said hoarsely to the attendant.
The attendant looked up. Seeing an elderly woman with graying hair and a worn, exhausted face sitting down to use the internet, he couldn’t hide his surprise. Still, he assigned her a computer in the farthest corner.
Su Jinxiu sat down, opened the browser with practiced ease, and began searching.
Her plan was simple.
She was going to exploit every online lending platform she could find.
Using the identities of Zhao Mingyuan, Zhao Shiyu, and Zhao Zixuan, she would borrow as much money as possible.
In ten days, she would be reborn. Those debts would become irrecoverable bad loans, left behind for the people who had betrayed her.
The first platform she opened was called SuYi Loan.
Using Zhao Mingyuan’s personal information, she registered an account and immediately entered the maximum loan amount:
50,000 yuan.
Less than a minute later, the verification call came.
Su Jinxiu cleared her throat. The moment she answered, her voice transformed into the calm, confident tone of a successful businessman.
“Hello.”
“Is this Mr. Zhao Mingyuan? We’re calling from SuYi Loan. We see you’ve applied for a loan of 50,000 yuan. May we ask what it’s for?”
“My family’s old house needs renovating. I just need some temporary cash flow,” she replied without the slightest hesitation.
She knew everything about Zhao Mingyuan—even the meager pension he received every month.
“Very well. Your emergency contact is…”
A cold smile curved her lips as she gave them Zhao Mingyuan’s own phone number.
After verifying a few basic details, the representative politely said,
“Thank you, Mr. Zhao. Your application has been preliminarily approved. Please wait a moment.”
Five minutes later—
Ding!
She picked up the elderly-style feature phone she had prepared in advance.
A text message appeared:
[Your bank card ending in 6688 has received a deposit of RMB 50,000 at 3:02 PM. Current balance: RMB 68,000.]
Success.
A sharp glint flashed through Su Jinxiu’s eyes as she immediately opened the next platform—
Flash Loan Express.
This time, she used her daughter Zhao Shiyu’s identity.
Loan amount:
80,000 yuan.
Flash Loan Express had much stricter screening procedures. The representative questioned her in detail and even checked the apartment Zhao Shiyu had recently purchased.
But to Su Jinxiu, who had once managed a business empire worth hundreds of millions, it was child’s play.
Drawing upon a lifetime of impeccable credit and her thorough knowledge of financial assets, she effortlessly dispelled every one of the representative’s doubts.
Ten minutes later—
Ding!
Another 80,000 yuan hit the account.
From then on, Su Jinxiu became like a calm, methodical hunter, systematically conquering one online lending platform after another.
She made full use of the wisdom accumulated over her sixty-six years of life, along with her intimate understanding of that family’s financial situation.
On Anxin Loan, she borrowed 100,000 yuan under Zhao Zixuan’s name, claiming her grandson was preparing to study overseas.
On Universal Borrow, she borrowed 200,000 yuan under Zhao Mingyuan’s identity, saying a friend urgently needed funds for a business venture.
On Rongxinda Finance, she borrowed 150,000 yuan using Zhao Shiyu’s information, claiming she had fallen in love with a million-yuan Hermès handbag and needed money for the down payment.
She had always despised borrowing money.
Throughout her life, she had maintained an impeccable credit record.
Who would have thought that, in the end, this very virtue would become the sharpest weapon in her revenge?
Naturally, everything didn’t go perfectly.
When she reached the ninth platform, Xinda Loan, the reviewer noticed something suspicious.
“Mr. Zhao, our system shows that you’ve applied for loans on several platforms today. Are you experiencing financial difficulties? We’re concerned about your ability to repay.”
Su Jinxiu sneered inwardly.
Outwardly, however, she remained composed, her tone even carrying a trace of annoyance at being questioned.
“I’m preparing to acquire a small chain of convenience stores and am raising capital from multiple sources. The banks are taking too long to approve my applications, and I don’t have time to wait.”
She paused before adding coldly,
“What? Does Xinda Loan doubt my financial strength?”
Her commanding aura, honed from years at the helm of a major corporation, instantly intimidated the reviewer.
The employee hesitated for a moment before finally approving the application.
Another 120,000 yuan was deposited into her account.
The tenth platform rejected her outright, citing excessive lending risk.
Su Jinxiu didn’t care.
She simply closed the webpage and moved on to the next one.
From ten o’clock that morning until eight o’clock that night—
For a full ten hours, she remained seated in the most inconspicuous corner of the internet café.
Other than making two trips to the restroom, she barely moved.
Throughout those ten hours, the simple feature phone in her hand became the sweetest sound in the world.
Ding! Your account has received 30,000 yuan.
Ding! Your account has received 50,000 yuan.
Ding! Your account has received 80,000 yuan.
Ding! Your account has received 200,000 yuan.
…
When the final platform approved her application and another 60,000 yuan arrived, Su Jinxiu finally stopped.
Leaning back in her chair, she let out a long breath.
Her back ached, her waist was sore, and her eyes burned from staring at the screen all day.
Yet mentally, she had never felt more exhilarated.
She took out a small notebook she carried with her and carefully totaled the day’s spoils.
Nineteen lending platforms.
Total borrowed: 2.83 million yuan.
Adding her original 18,000 yuan, the balance in her account now stood at—
2,848,000 yuan.
Su Jinxiu slowly rose to her feet and stretched her stiff neck.
The corners of her lips lifted into a cold, satisfied smile.
She walked out of the internet café.
Night had already fallen.
Taking out the feature phone, she scrolled through the contacts until she found Zhao Mingyuan’s number.
Her eyes were as sharp as knives.
More than 2.8 million yuan…
Compared to the hundreds of millions’ worth of assets you stole from me, it’s barely a drop in the bucket.
But don’t be impatient.
This… is only the beginning.
Collecting a little interest is nothing more than an appetizer.
“Zhao Mingyuan… Liu Wanqing…”
She softly repeated their names, her voice carrying an eerie chill in the night breeze.
“Just wait.”
“I’m coming for all of you.”