I have already officially defaulted on my credit card. Today, the China Construction Bank sent me a text message saying I haven't paid this month's bill yet, urging me to repay as soon as possible, or they will report my delinquency to the credit reporting database. I owe them 646 yuan and 13 cents. It's not that I don't want to pay back; I just have to spend money on everything I do. I need to spend money on groceries and meat; if I don't eat, I can't survive. If I could pay, I would have paid long ago. Ever since my knee was diagnosed with a third-degree injury, it hurts after just a few steps—how can I go to work? Even if I go to screw in nails, they might not need me. When I do some heavier work on the ground, my knee starts hurting soon after. I'm already a useless person now. Do whatever you want; I simply don't have the ability to repay. The house I live in is almost collapsing. Where can I find money to pay you?