A long-term empty credit card (debit card) means that the user uses the credit limit of the credit card (debit card) within 10% or runs out every month. Long-term empty cards are not conducive to increasing the credit line of credit cards (debit cards), and may lead to credit cards (debit cards) being controlled by the wind. Users should avoid the situation that their credit cards (debit cards) are empty, and pay attention to keeping the limit of about 20% when using credit cards (debit cards).
As for the occasional empty card, there is no harm. Only when the card is empty for a long time will the bank feel risky, so as to strictly monitor the user's card use.
What is empty credit card cash withdrawal?
Credit cards, I believe many people have more than one. Generally speaking, credit cards have a relatively fixed amount of use. As we all know, the credit limit of a credit card is approved by the bank. How can you say it will change? How can a credit card with a used-up limit withdraw more cash than the multiple of the limit?
Conventionally, it means that the cardholder swipes the credit card limit of your credit card in full through multiple cash withdrawals or other institutions, and then the cardholder immediately gives you cash. This method requires a handling fee ranging from 1.5-3%.
And "empty card cash withdrawal" is to withdraw cash from your credit card when your credit line is used up, and the amount obtained can be several times that of your credit line. Credit card management loopholes have now become a tool for some people to collect money.
The key to swiping a card is to drill holes. Originally, the middleman used the installment amount (the amount has been spent) given by the bank to the cardholder to make false consumption through the pos machine, helping some people who are in urgent need of cash to quickly convert the installment amount in the credit card (generally 1 to 50,000 yuan) into cash, and charge a commission as high as 17%-25% from it.
Because this kind of false consumption is an integer overdrawn by the cashier before, if the consumption data displayed on a POS machine is always an integer, it will be included in the suspect list. But now middlemen are becoming more and more "smart" and rarely brush integers, which is difficult for banks to find. It doesn't matter if you just swipe your card. You can't withdraw cash. These middlemen are generally inextricably linked with the finance and executives of large shopping malls, because only in this way can they get bank loans smoothly.
In the past, it was mainly achieved by "organizing" credit cards with fake identities. Intermediaries have done a lot of false work for some purses, handling a large number of credit cards, cashing in credit cards and obtaining liquidity in their hands.
For example, suppose a man and b man agree to use a credit card with a limit of 8,000 yuan to withdraw 8,000 yuan in cash at a large chain electric supermarket in the city.
After entering the shopping mall, man B wisely went to the digital products counter, directly selected three digital cameras with a total value of about 8,000 yuan, and instructed the salesman to fill out the bill for1February installment payment. Because according to the regulations of the relevant banks, installment shopping can temporarily increase the credit limit by 2 times, which is exactly the amount he uses his credit card to withdraw excess cash.
Through the operation of man B in the supermarket, he finally took out more than 9,000 yuan in cash with a credit card with a limit of 6,000 yuan, but the price was also amazing. For more than an hour, man B charged man A a so-called handling fee of more than 2,000 yuan.
Credit card is essentially a small credit loan, and the essence of empty card withdrawal is that the intermediary colludes with the cardholder to maliciously withdraw a certain amount of loan from the bank in the name of consumption. This is suspected of fictitious loans to some extent. If the cashier refuses to repay, it also violates the clause of malicious overdraft in China's criminal law, and the maximum sentence can be sentenced.
According to an insider in the banking industry who asked not to be named, at present (2009), there are tens of millions of personal consumption loan customers in every domestic bank. It is impossible for banks to track the loans of so many customers one by one, and many installment payments are automatically generated by banks according to their previous credit records. In order to increase the market share of credit cards, many banks do not strictly control the issuance of credit cards, resulting in some people not having the ability to repay credit cards, and these people are likely to become the "protagonists" of empty card withdrawals. The loopholes in the management of credit cards and POS machines are the key reasons for the opportunities.
The staff of China UnionPay 955 16 Customer Service Center said that "empty credit card withdrawal" is an illegal act. It is hoped that the cardholder will call the UnionPay customer service line to withdraw cash, and UnionPay will cancel the qualification of special merchants according to the investigation.
It is understood that as early as April 2006, the People's Bank of China and the Banking Regulatory Commission of China issued the Notice on Issues Related to the Prevention of Credit Card Risks, clearly stipulating that it is illegal for cardholders to withdraw cash and merchants to provide cash withdrawal services, and requiring financial institutions to jointly crack down and deal with it with the departments of industry and commerce and public security.
It is understood that since June 5438+ 10, 2006, the central bank officially launched the personal credit information system. Failing to pay back the credit card or the annual fee will be recorded in the bad credit record, and the "stain" will not be eliminated for life.
Can I borrow money by credit card or empty card? How come?
With the rapid increase in the number of people applying for credit cards, more and more people want to know about credit card loans. How to borrow an empty credit card? This is a problem that many people care about, but they are not sure. Here is a detailed introduction for everyone.
Is it okay to use a credit card for empty loans?
Empty credit cards can be used for loans. For example, an empty credit card installment loan refers to applying for an installment loan for shopping when the credit card limit is running out. You can choose the installment repayment method of 6 months or 12 months, and the bank interest is free, and neither of them occupies the original credit card consumption limit. (The cardholder has no record of overdue repayment in the last 3 months).
How to borrow an empty credit card loan?
Empty credit card loans are handled in the same way as regular credit card loans. You can apply directly online or at the counter.
What does an empty credit card mean?
Question 1: What do you mean by an empty credit card? The card is used up, and there is no limit. You can pay again.
Question 2: What does it mean to enlarge an empty credit card? If you can overdraw with an empty card, No.65438 +0: Cash out the credit card limit. At present, many non-financial institutions can cash out. This kind of cashing can only be done by fully swiping the credit card's own limit, and then the credit card machine will give you cash immediately, but the handling fee is 1.5-3%. Number 2: Cash with an empty card means that your current credit card has been emptied, but you can still withdraw money, and it is 2-3 times the credit card limit. However, empty card cashing is currently limited to China Merchants Bank and Minsheng Bank. Moreover, the formalities cost is relatively high, with the highest 25% and the lowest 15%. Usually, the intermediary takes you to Suning Appliance or Gome and other businesses to buy electrical appliances, pay by credit card in installments, and then the intermediary gives you cash and charges a handling fee. As for the goods bought back, the intermediary will return them to the mall for cash in some way.
Question 3: What happened when I got a credit card and asked me to get an empty card? Hello, it should be the so-called agent. These are all lies. Let you get a bank card, reserve your mobile phone number and leave his, then let you deposit the money to prove your repayment ability, and then your money is gone, gone, gone.
Have some brains, okay?
Question 4: What does empty credit card mean? The act of illegally obtaining cash.
People who need cash use credit cards to swipe their cards on POS machines (fake consumption), and then the criminals who help you swipe your cards will deduct a certain percentage of the "handling fee" and return it to you, so that you are equal to the criminals making a "profit" |, and you also hollowed out the cash of the issuing bank.
Question 5: What does an empty credit card mean? No credit, no points, need to swipe your card.
Question 6: The validity period of the credit card is empty. What do you mean, please pay again? The validity period of a credit card is just below your credit card, and there are four numbers separated by "/",which is the validity period. The month is before, and the year is behind. For example, 02/ 18 means that your credit card will be valid until February 20 18, when the bank will give you a new card.
Pay attention to the following points in online payment by credit card:
1. Confirm the organization to which your credit card belongs. Although the scope of credit card online payment in China is expanding, the types of credit cards supported by websites that generally support online payment are still limited.
2. Determine your payment authority. Some banks (such as Industrial and Commercial Bank of China) set limits on the maximum amount paid by ordinary users online, such as not exceeding 1500 yuan. Even the same type of credit card of the same bank will have different limits due to the different transaction security confirmation methods set by users. Therefore, when opening the online payment function, you need to know whether your bank has a single payment limit to avoid the success of the transaction.
3. Pay attention to network security. When using credit card to pay online, the most important thing is network security:
Question 7: What does the last step mean when applying for a CCB credit card? The co-branded card account cannot be empty? A savings card is an agreed account.
Co-branded card account refers to your co-branded card member number, such as Ctrip member number of Ctrip card and Chunqiu member number of Chunqiu card.
Question 8: What does it mean to make money in an empty credit card? For a credit card with a credit limit of 0, it is relatively simple to increase the credit limit. For example, if you deposit hundreds of thousands of expenses into your credit card from time to time, the 1~2-month credit line will come out. Depending on your credit card usage, the credit limit ranges from $500 to several thousand dollars.
Question 9: What do you mean by an empty credit card? An empty credit card is to use a credit card with a low quota to withdraw funds exceeding the quota.
Question 10: What are the consequences of credit card arbitrage? Classification of credit card cashing behavior.
First, the cardholder's personal behavior, the cardholder plays the trick of "others spend their own cards", swipes other people's shopping accounts into their own cards to increase points, and at the same time, the shopper returns the cardholder's cash, which can kill two birds with one stone for the cardholder. Because many banks have launched value-added services while issuing credit cards, they have carried out activities such as exchanging consumption points for gifts to show people's enthusiasm for card consumption.
Second, cardholders cooperate with merchants or some "loan companies" and "intermediary companies", and cardholders get cash by paying fees to merchants. Generally, the merchant's POS machine is used to make false transactions, and the amount on the credit card is crossed out. Merchants or "loan companies" and "intermediary companies" pay cash on the spot (paying cash to cardholders), and the handling fee paid by cardholders to merchants is lower than that of banks.
Third, cardholders use some websites or company services to get cash, such as Alipay or China Mobile's online prepaid card service to get cash.
Fourth, small cash withdrawals are free. The method is that in some shopping malls or other places where credit cards can be used, cardholders pay in cash when they check out, and cashiers will collect cash first and then use credit cards to brush out the corresponding consumption, so as to achieve the purpose of small cash withdrawal.
For example, a guest spends 2000 yuan and pays 2000 yuan in cash. Without the guest's knowledge, the cashier swiped out 2000 yuan with his credit card. As long as it is within the credit limit, it can be withdrawn indefinitely without any handling fee.
Summary: Bank card cashing is attracting wide attention from all walks of life. However, one month after the CBRC issued a warning notice on the active risk of credit card cashing, credit card cashing is still crazy. Walking in the street, the publicity of credit card cashing has broken through the past "psoriasis" advertisements and openly hung on some newsstands. Fortunately, I learned from the "China Financial Forum: Promoting the Scientific Development of the Bank Card Industry" yesterday that the definition of bank card crimes such as credit card cashing will soon have laws to follow.
Social harm
First of all, credit card cashing has increased the unstable factors of China's financial order. China has a strict access system for financial institutions and a series of strict regulations to monitor the inflow and outflow of funds from financial institutions. Those lawless elements, in conjunction with merchants, swipe their cards through virtual POS machines and engage in unreal transactions such as cash withdrawal by credit cards in disguise, but they are outside the legal framework, which violates the national legal provisions on financial business franchising and deviates from the relevant provisions of the People's Bank of China on cash management, and may also provide convenient conditions for illegal activities such as "",which undoubtedly lays an unstable factor for China's overall financial order. In addition, the increase of bank risks and the formation of a large number of non-performing loans will also destroy the social credit environment and hinder the healthy development of the credit card industry.
Secondly, the harm of illegal cash withdrawal to the issuing bank is enormous. Most credit cards are unsecured lending instruments. As long as the cardholder makes a consumption, the bank will bear the repayment risk. Therefore, in general, banks guard against overdraft risk through high overdraft interest or cash withdrawal fees. The act of cashing in credit cards just circumvents the high cash withdrawal fee set by banks and crosses the bank's prevention threshold. In particular, some loan intermediaries help cardholders forge identity materials and constantly increase the credit card quota, which greatly interferes with the normal business of banks and brings great risks. Because of holding a large amount of cash, the cardholder is tantamount to obtaining an interest-free and unsecured personal loan. However, the issuing bank cannot know the purpose of these funds, and it is difficult to identify and track them effectively. In fact, the credit risk of credit card has evolved into the credit risk of investment or speculation. Once the cardholder can't repay the cash amount, the bank loses not only the loan interest, but also a lot of assets.
Finally, for the cardholder personally, the credit card cashing behavior also brings great risks to himself. On the surface, cardholders get cash by cashing out, which reduces interest expenses, but in essence, cardholders need to repay after all. If the cardholder can't repay the loan on time, he must bear the overdue repayment interest higher than the overdraft interest, which may cause a bad credit record. It will be very difficult to borrow money from the bank in the future, and even bear the legal risk of personal credit loss.
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This is the end of the introduction on how to get an empty credit card loan and whether an empty bank card can get a loan. I wonder if you have found the information you need?