Borrowing someone else’s credit card may constitute credit card fraud.

Credit cards can only be used by the cardholder and cannot be rented or lent to others. If you lend your credit card to others, it is a crime of obstructing credit card management. If the credit card is lent to others, any liability incurred will be borne by the cardholder personally. If you lend your credit card to others and report a problem if something goes wrong, the public security organs may not accept it, so it is best not to lend your credit card to others. Credit card fraud is a crime of embezzlement, and you may face different penalties depending on the amount of the fraud. Generally speaking, if the amount of fraud is below a certain amount, you may be sentenced to criminal detention, control or fines; if the amount of fraud is larger, you may be sentenced to fixed-term imprisonment. At the same time, if the theft is particularly serious, you may be considered part of a criminal group and face more severe penalties. Therefore, credit card fraud is a serious offense and may be severely punished by law.

The risks of borrowing a credit card from others are as follows:

1. Overdue credit card;

2. Failure to repay the debt;

3. Frozen by the bank. If the bank discovers that the cardholder has borrowed the card from someone else, the credit card will be frozen. The cardholder needs to retrieve the credit card and contact the bank's customer service to unfreeze it. If the cardholder borrows the card from someone else repeatedly, the cardholder may need to go to a bank branch to restore the card. Use;

4. Risk of being stolen. Once the credit card is lost or stolen while being loaned to others, all losses must be borne by the cardholder according to relevant insurance compensation clauses, and the cardholder cannot enjoy compensation from the bank.

To sum up, we should call on everyone to abide by the law, cherish the rights and interests of using credit cards, and jointly maintain social integrity and order.

Legal basis:

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

Article 196

There are the following In one of the 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 not less than five years and not more than 10 years of imprisonment. to a fixed-term imprisonment of not more than 10 years and a fine of 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 is to not less than 10 years in prison or life imprisonment and a fine of not less than 50,000 yuan but not more than 500,000 yuan. Fines or confiscation of property:

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

(2) Using an expired credit card;

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

(4) Malicious overdraft.