Can someone else's credit card be used?

according to the regulations, it is not allowed, and the credit card must be used in person. But it's okay for you to lend it to others, but remember that you are responsible for paying back the money they used, and the bank won't go to him just because the money was spent by your family. It doesn't matter if you sign, just write his name at the back. It can be used by others when actually spending, because when spending, you don't need to issue an ID card, just check the signature and enter the password, and many of them don't check the signature at all, which is why many people have their credit cards stolen after they are lost. It's not that serious.

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1. Can ETC use other people's credit cards?

ETC can't use other people's credit cards, because the OBU device can only be bound with one credit card, and the state stipulates that ETC can only have one card with ETC function under each ID card.

second, how to use ETC credit card?

after the p>ETC credit card is processed, the OBU electronic tag device can be inserted, and the toll deduction function of the expressway without stopping can be realized. In addition, credit cards can also be used as daily consumption, because ETC credit cards have the functions of highway payment and financial services.

At present, the reason why users who apply for ETC are more bound to credit cards is mainly because credit cards offer more benefits than stored-value cards, mainly including activities such as full reduction of fuel, discounts on shopping, giving away equipment, car washing service, road rescue, store discounts and so on. Let consumers enjoy life better while using credit cards.

third, is it serious that the credit card is overdue once?

If you have a good credit card record, but you accidentally overdue it once, as long as you pay off the arrears in time, there will be no serious consequences. However, if you don't pay it back this time, it will still cause many adverse effects over time, such as credit reporting, personal credit, overdue penalty interest and so on.

If your credit card is always overdue in the past, it is likely that your personal credit in the bank will decline again if it is overdue again, and the bank may even downgrade your credit card or seal it. It may not matter much if the credit card is overdue once, but after all, it has no benefit and may lead to serious consequences.

Therefore, when using credit cards, people should form a good habit of paying back on time to avoid overdue situations.

how to swipe a credit card when you find it? Be careful not to bear the consequences.

People often pick up other people's credit cards on the road, many of which are accidentally dropped by others. Some people may want to use the credit cards they have found to swipe their cards and ask how to swipe them. In fact, whether they can swipe them or not, don't worry about it, otherwise the consequences will be very serious.

how to swipe a credit card when you find it?

if the credit card is not activated, you can't swipe it. If it is activated, you can pay the credit card by flash. Otherwise, if the credit card has a password and you don't know the cardholder's information, you can't swipe it. The flash payment card can be swiped without a password. As for how to swipe the card, I won't tell you.

anyway, one thing is, if you find someone else's card, don't touch it, even if you can swipe it. Otherwise, if you swipe it successfully, it will be stolen. Don't be lucky, thinking that you can swipe your card unnoticed. There is no such thing. Banks can check the trajectory of swiping your card, and cardholders will report it when they find that their credit card has been stolen.

once found, criminal responsibility will be investigated according to the crime. Article 264 of China's Criminal Law stipulates that public and private property with a value of 1, yuan to 3, yuan or more, 3, yuan to 1, yuan or 3, yuan to 5, yuan or more shall be convicted according to "large amount", "huge amount" and "especially huge amount" respectively.

if you see a credit card on the road, you will never pick it up, so as not to get into trouble. After all, this card may have been stolen and thrown away. In order not to pick it up, you'd better pretend that you didn't see anything. Don't worry that others will be anxious if they lose their credit cards. After losing a credit card, a phone call can report the loss, and the bank will temporarily freeze the credit card, so others can't brush it.

Can I use someone else's credit card to buy things?

Yes, as long as you have the password, you can use it if someone lends it to you. It is a crime if it is used without the consent of the credit card holder.

It can be used by others when actually spending, because when spending, you don't need to produce an ID card, you just need to check the signature and enter the password, and many merchants don't check the signature at all, which is why many people have their credit cards stolen after they lose them.

Further reading

A credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

can I swipe someone else's credit card from my own pos machine?

it's ok to use someone else's credit card, but your own POS machine can't use your own credit card, which will be considered as a cash transaction and the card will be blocked. In serious cases, it will be considered as illegal business and involving violation of criminal law; See the following points for attention when using credit cards in a healthy way:

1. Cardholders can use credit cards as much as possible in their daily consumption, especially to increase the expenditure of large-scale consumption (except for wholesale consumption, which is not only not conducive to improving the credit limit, but also may be suspected of illegal cash withdrawal).

2. After spending continuously for several months, you can take the initiative to apply to the bank, and the card department will decide whether it is necessary to increase the limit according to the cardholder's consumption record. After the credit limit is raised, you can apply to the bank again after using it for a period of time, about three months, and gradually increase the credit limit.

3. Provide proof of asset income to the bank voluntarily, and the more detailed the proof materials provided, the higher the income, and the higher the credit line approved by the bank may be.

4. Repay in full and on time. Try to repay in full and on time every month. Repayment is an important item in credit card records. Cardholders should try their best to avoid paying interest beyond the interest-free period because of late repayment, otherwise it will not only be conducive to improving the credit limit, but also may cause a stain on the credit record.

5. If there is a demand for large consumption, you can temporarily raise the temporary increase limit to the bank. The general term is one month, and some banks will take the initiative to increase the credit card limit on holidays. After the cardholder puts forward the request for increasing the quota, the bank will determine the final range of increasing the quota by reviewing the cardholder's consumption demand and past card use records.

it's a crime to cash out a credit card with a pos machine, and it's illegal whether to cash out with your own pos machine or not. Banks are not allowed to use their own pos machines to swipe their cards. However, due to regulatory loopholes, if the number of times is less than 3 times and the amount is less than 1, yuan, the bank may not pursue it. At this time, cashing also requires a handling fee of more than .5%.

cashing in a POS machine is essentially an act of cheating banks. Criminal suspects change the credit function of credit cards into cash loans without authorization, which makes it impossible for card issuers to judge the normal credit status of cardholders and the use of credit cards. Cash withdrawal from POS machines has become the highest crime form of bank card crime, and it is on the rise year by year.

this not only disrupts the national financial order and brings great risks to financial security, but also easily breeds underground financial activities and affects social stability. One of the reasons for the credit card cashing behavior is that in 29, major domestic banks scrambled to expand credit card business, and did not pay enough attention to risk control in procedures. In some banks, you only need to submit a copy of your ID card and a business card.

let's talk about how to swipe other people's credit cards here.