1. Is it illegal to repay a credit card on your behalf?

1. It is not illegal to repay a credit card on your behalf. Repaying a credit card on behalf of others is a civil act and is not illegal. You will not be sentenced, and you do not need to bear the responsibility for civil compensation or administrative penalties. Only those who commit credit card fraud and constitute a crime will be sentenced by the court.

2. Legal basis: Article 5 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Commercial banks operating credit card business shall fully disclose relevant information to cardholders and reveal business risks , establish and improve the corresponding complaint handling mechanism.

Article 12

The term “acquiring business” as mentioned in these Measures refers to the services provided by commercial banks to merchants to accept credit cards and complete related fund settlements.

The acquiring business includes merchant qualification review, merchant training, acceptance terminal installation and maintenance management, obtaining transaction authorization, processing transaction information, transaction monitoring, fund advances, fund settlement, dispute handling and value-added services and other business links.

2. What are the requirements for applying for a credit card?

The requirements for applying for a credit card are as follows:

1. Whether it meets the requirements of the bank for issuing credit cards;

2. Aged between 18 and 65 years old;

3. Have a stable career and income;

4. Have good credit and the ability to pay interest on time ;

5. A natural person with full capacity for civil conduct.