In addition, according to the regulations of the International Credit Card Organization and the People's Bank of China, credit cards and their accounts are only used by cardholders approved by the issuing bank, and they are not allowed to be provided, rented or lent to others, which is a crime of obstructing credit card management.
hello, everyone. I'm sister xiaoxi.
should I return someone else's credit card, or should everyone return it?
banks only look for cardholders, not others.
so don't lend your credit card to others at random!
Credit cards can't be lent out. The risk of lending is very high. No matter whether it's your parents or your wife, it's forbidden to borrow them. When we apply for a credit card, there is also a treaty that clearly states that credit cards can't be lent out, otherwise all the consequences will be borne by the cardholder.
When you lend your credit card to others, it is the cardholder's responsibility if others fail to repay it on time or if the repayment is overdue. Supposedly, lending it to others means that others will repay it, but if you lend it to others, others can't take care of their credit like yourself. If it is overdue, it has nothing to do with the person who borrowed your credit card.
so don't lend your credit card to others, even your relatives!
The credit card returned by the cardholder
is of course the cardholder
The credit card is from real-name registration system, and the country also expressly stipulates that the credit card can only be operated by myself. However, many people in the market lend their credit cards to others because they don't understand the law or human relations. If the relationship is good and the repayment is made on time for the time being, if it breaks down one day and it is not paid back, the person the bank is looking for is still the cardholder himself. Moreover, many people don't know whether there is repayment or not, so they should be cautious when lending credit cards.
if the cardholder pays back in person, the overdue period will affect the credit, and the malicious overdraft will be prosecuted by the bank.
As the ancients said, it is not difficult to borrow again. To maintain a good personal credit, you must borrow and pay back.
if you have a grievance, you have a debt! Who will be asked for the card issued by the bank in the end! Who used it actually has nothing to do with the bank!
goodwill reminder: don't borrow credit cards indiscriminately! After all, it's not your own money! It's a loan from the bank that you can use first and then pay back!
criteria for borrowing money: even if I don't want the money, it's no problem for me. I can bear it myself!
of course, it is returned by the cardholder, which is clearly stipulated by law.