1. What should I do if someone else borrows a credit card and never pays it back?

If someone else borrows a credit card and never pays it back, it can still be resolved through negotiation or litigation.

1. According to our country’s policies, if you lend your credit card to others, you still need to bear the debt. If the other party does not return it, the cardholder can only try to communicate with the other party to solve the problem. If it is not possible, Reconciliation, then only you have to bear it.

2. If your credit card is stolen by a friend, then the behavior is suspected of credit card fraud and you can call the police.

2. What are the legal responsibilities for overdue credit card repayments

If the borrower fails to return the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.

The parties may agree on the issue of overdue interest in the contract. This agreement can be an agreement between natural persons on whether to charge overdue interest or the interest rate, or it can be an agreement between a financial institution and the borrower in the state. Determination of overdue interest rates within a specified range.

If the loan contract of a financial institution does not stipulate an overdue interest rate, the financial institution may charge overdue interest from the borrower in accordance with the interest rate specified by the state.

Currently in practice, financial institutions handle matters in accordance with the relevant regulations of the People's Bank of China. That is, for overdue loans, financial institutions charge borrowers a daily interest rate ranging from 40,000 to 60,000. Collect interest.

3. What to do if the credit card cannot be repaid

1. Use the delayed service provided by the bank

If the repayment is only occasional, the funds are only one or two It takes only a few days to repay the loan. At this time, you must make full use of the bank's deferred repayment service. Nowadays, most banks have one to three days of deferred repayment service. As for the specific one or three days, this is different for each bank. , you have to consult customer service yourself. Sometimes an extension of one to three days is very important to us!

2. Installment or minimum repayment

If you really can’t pay the credit card, or you really can’t pay it off in the short term If you still can't pay the credit card, in this case, you can consider credit card installment or repay the minimum payment amount. These two methods are not encouraged. However, if you really can't pay the credit card and don't want to affect your personal credit record, these are the only two methods. This method is the most reliable. Although you have to pay a certain amount of interest to the bank, it also avoids the credit stain caused by overdue payment.

If someone else borrows your credit card but never returns it, if you may overdraw the credit card in advance, which will cause you to face high repayments in the future, you should negotiate with the other party or negotiate with the other party at this time. It is handled through litigation. After all, the person with the obligation to repay the debt in the future is himself, so we must pay great attention to this aspect. It can also be handled by calling the police.

4. What consequences will you face if your credit card is overdue?

1. Overdue credit card penalty.

2. Overdue interest. After a user uses a credit card to overdraft, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder repays overdue, all the expenses of the cardholder last month will no longer enjoy the bank's interest-free payment. treatment, and the recurring daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18.

3. Bad credit record. Overdue credit card repayment records will enter the central bank's credit reporting system to generate a bad credit record.

4. Litigation costs. If the credit card is not repaid for more than three months, the bank will ask a lawyer to issue a lawyer's letter to the user and file a lawsuit in court. The litigation costs will be borne by the cardholder.

5. Criminal liability for malicious overdraft.

5. Common types of credit card fraud

1. Falsely claiming that you have won a grand prize through text messages or phone calls, and asking you for your card number in the name of remittance needs, and then asking you Pay the income tax of 20 first and transfer it to his designated account.

2. Pretend to be a police officer from the Public Security Economic Investigation Department, falsely claiming that your credit card has been stolen and the suspect has been arrested, and asking you to report your card number and password to "public security officers."

3. Fake websites are tempting to be fooled.

Post an ad on it that the online bank is running a lottery. When you click to enter, you will be asked to enter your card number and password.

4. Post "notices" to induce you to transfer money. Post a notice on the ATM machine such as "Bank system failure, please follow the following procedures, otherwise you will be responsible for the consequences." When you follow the prompts, the amount on the card will be transferred to the scammer.

5. Create the illusion that the credit card has been swallowed. First, they trick the ATM machine to prevent the card from being taken out, and then pretend to be a well-meaning person to remind you to re-enter your password. When your operation fails and you go to the bank business office to inquire, the "good Samaritan" will take the card away.

6. Install a micro camera and card reader on the ATM machine in advance. When you withdraw money from the ATM machine, secretly record your credit card information and password, and then clone your bank card to withdraw money.

Legal basis:

"Criminal Law of the People's Republic of China"

Article 196 The crime of credit card fraud involves one of the following circumstances: Whoever commits credit card fraud and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years. , and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than 10 years of fixed-term imprisonment or life imprisonment, and also a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation. :

(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification;

(2) Using an invalid credit card;

(3) Pretending to use other people’s credit cards;

(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it for the crime of theft shall be convicted and punished in accordance with the provisions of Article 264 of this Law.