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What if I lend my credit card to someone else?
My friend swiped my credit card and never paid it back. According to the policy of our country, I lent my credit card to others, and I have to bear the debt myself. If the other party does not return it, the cardholder can only try to communicate with the other party to solve it. If it can't be reconciled, then I have to bear it myself. What if my friend doesn't return my credit card? The following is Bian Xiao's detailed answer.

1. What if he doesn't pay back the credit card?

1. According to China's policy, if you lend your credit card to others, you still have to bear the debt yourself. If the other party does not return it, the cardholder can only try to communicate with the other party to solve it. If you can't reconcile, you have to bear it yourself.

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

2. How to negotiate if the credit card is overdue for more than 3 months?

1. If the credit card holder is overdue for more than three months, the cardholder can pay off part of the arrears first, and then contact the issuing bank to inform him of his strong repayment desire.

2. Inform the issuing bank that its repayment ability is limited, and hope to negotiate repayment.

3. In most cases, if the bank agrees to stop paying interest by installments, it will not agree to reduce overdue interest and penalty interest, and the cardholder can choose the way that suits him.

3. How to check the reasons for the rejection of credit cards?

When the credit card is rejected, it will only prompt that the comprehensive score is insufficient. The specific reason depends on the applicant to find it himself. You can make a credit report and find out why.

The credit report records everyone's credit information in the past five years. After the credit card is rejected, the reasons can be found by checking the credit information, which can be roughly started from three sections, one is the credit information record, the other is the public record, and the third is the inquiry record.

1, in which the credit record mainly depends on whether it is overdue. For example, if it is overdue for three or six times in two years or is currently overdue, the credit card cannot be handled; There is also the amount owed, that is, whether the outstanding debts of loans and credit cards exceed 50% of income. If there are high debts, it will also lead to the rejection of credit cards; There is also the number of credit institutions, that is, whether there are multiple loans. Many banks are sensitive to the number of credit card issuers. If there are more than four banks' credit cards, they will not be approved.

2. Common records to see if there are some social bad behaviors, such as tax evasion, failure to pay utilities in the future, and court enforcement records, are not conducive to credit card applications.

3. The inquiry record depends on the number of hard inquiries, that is, the times and time for banks, lending institutions and other financial institutions to inquire about credit information due to credit card approval, guarantee qualification examination, loan approval and other reasons. If the number of times is more and the time is more concentrated, it means that the applicant's repayment ability is not very good, which will affect the credit card.

Using credit cards requires rationality, and our credit cards can only be used by ourselves. If we lend it to others and others don't pay it back, there's nothing we can do. The above is the content compiled by Bian Xiao. If there is a dispute, it is still necessary to analyze the specific problems. If you can't solve your problem, you can consult a creditor's lawyer.