What should I do if my credit card is lent to a friend and it is overdue?

From a legal point of view, a credit card cannot be lent to others. If the loan results in arrears, the cardholder needs to repay it himself. So try to solve the problem through negotiation first.

if no settlement can be reached through negotiation, then only civil litigation can be considered. In civil litigation, evidence should be collected first, such as bank bills. If the payment has been made, it is also necessary to provide running water and receipt, credit card lending instructions or IOUs. If necessary, evidence can be collected from the application, such as the signature when swiping the card and the video when withdrawing cash or swiping the card.

it should be noted that even if the lawsuit is won and the overdue interest can be repaid by the other party, the bad credit generated after the overdue period will not be revoked.

Legal basis:

One of Article 177 of the Criminal Law of the People's Republic of China, if one of the following circumstances interferes with the management of credit cards, it shall be sentenced to not more than three years or criminal detention, and shall also or only be fined not less than 1, yuan but not more than 1, yuan; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than three years but not more than ten years, and a fine of not less than 2, yuan but not more than 2, yuan shall also be imposed: < P > (1) Holding and transporting a large number of counterfeit credit cards knowingly, or holding and transporting a blank credit card knowingly;

(2) illegally holding other people's credit cards in a large number;

(3) fraudulently obtaining a credit card by using false identification;

(4) selling, buying or providing others with forged credit cards or credit cards fraudulently obtained with false identification.

whoever steals, buys or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.

any employee of a bank or other financial institution who commits the crime mentioned in the second paragraph by taking advantage of his position shall be given a heavier punishment.

what should I do if my credit card is borrowed by others? The risk is great!

Although the bank clearly stipulates that only people can use their credit cards, many people still lend their cards to others, but they don't know that doing so is very risky. It is best to get the lent credit cards back quickly. Some people can't get their credit cards back when they are lent out, and they will ask what to do if they are borrowed by others and don't return them. Let's briefly introduce it today.

what should I do if my credit card is borrowed by others?

if the lent credit card can't be retrieved, the cardholder can call the bank service hotline to transfer to the manual customer service, file an application for reporting the loss of the credit card and then reissue a new credit card, then the previous credit card will be invalid, and even if the card is still in someone else's hand, it can't be used.

The cardholder only needs to wait for the new card to be re-activated. Considering that the password of the old card will be used after the new card is activated, it is best to change the inquiry password and transaction password of the credit card into a new password to be on the safe side.

note that the replacement of a credit card is not free, and the replacement fee will be deducted from the credit card limit, so be sure to repay it on time.

credit card lending is risky!

If you report the loss of a credit card and then apply for a card, the credit card in someone else's hand can be invalidated and can no longer be used. However, if the credit card owed by someone else has not been paid back, the cardholder will have to put it on himself before asking the other party for money. After all, the bank will only ask the cardholder for money no matter who the actual cardholder is, as long as the credit card is not stolen.

If someone else owes a lot of money by swiping a credit card, the cardholder will not be annoyed, and he may be investigated for criminal responsibility if he accidentally fails to do so. Therefore, it is best not to lend your credit card easily, even if lineal relatives is intimate.

The above is the introduction of "What should I do if my credit card is borrowed by others?" I hope it will help you.

What should I do if I lend my credit card to someone else?

If the user lends his credit card to someone else and the other party refuses to pay back the credit card debt, the credit card holder will bear the repayment responsibility, and the bank will recover the debt from the cardholder. If the amount of debt is not much, it is recommended that the user pay off the credit card debt first, and then contact the borrower to return his debt.

if the amount owed is large, and the other party insists on not paying back the money, the user can take civil action by asking the other party to pay off the overdraft amount and interest (pay attention to collecting relevant evidence, such as the chat screenshots of the two parties agreeing to borrow the card, the record of the other party's card use, etc.).

customers are advised to think carefully before lending their credit cards to others. After all, the Measures for the Administration of Credit Card Business clearly stipulates that credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend credit cards and their accounts. Therefore, lending a credit card to others is illegal, and all the consequences arising from renting, transferring or lending a credit card can only be borne by the cardholder himself.

process of the borrower:

1. Prepare the civil lawsuit.

2. Go to the people with jurisdiction and submit relevant evidential materials.

3. Attend and participate in litigation activities on time according to people's notice.

4. If you refuse to accept the judgment or ruling of the first instance, you should appeal to the people who tried the case or the people at the next higher level within 15 days after receiving the judgment or the ruling, and submit an appeal.

that's enough for the introduction of how to handle credit card lending.