Is it illegal to pay by credit card?
It is not illegal to repay on behalf of others.
Legal analysis
However, because credit card repayment involves cashing and credit card repayment, cashing involves credit card consumption. If you violate the relevant regulations, you use point-of-sale terminal equipment (POS machines) and other methods to directly pay cash to credit card holders by fictitious transactions, false pricing, cash return, etc., if the circumstances are serious, you should be convicted and punished for illegal business operations. Credit card is essentially a small credit loan, and the essence of credit card cashing is that merchants collude with cardholders to maliciously take a certain amount of loans from banks in the name of consumption, which is suspected of fictional loans to some extent. According to relevant regulations, he was convicted and punished for the crime of illegal business operation. If the cardholder maliciously overdraws in the above way for the purpose of illegal possession, he shall be investigated for criminal responsibility.
Legal Basis
Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the Standards for Prosecution of Cases 46. Credit Card Case (Article 196 of the Criminal Law) If one of the following circumstances is suspected, it shall be prosecuted: 1. Using a forged credit card, or using an invalid credit card, or using someone else's credit card to conduct activities with an amount of more than 5, yuan; 2, malicious overdraft, the amount of more than five thousand yuan.
Steps to find someone to pay for a credit card
It is actually very simple to find someone to pay for a credit card. Generally, people only need to know the credit card. In this era, people will pay back the credit card arrears. Specific steps: 1. Cardholders should find a good intermediary or individual to pay the bill before it expires.
2. Then both parties agree on the handling fee for repayment, which is generally about 1% of the repayment amount.
3. After the handling fee is agreed, the reimbursement agency or individual will help you pay off your credit card bill.
4. Then, the same amount is swiped through the pos machine provided by the other party.
5. finally, the cardholder pays the reimbursement fee to the reimbursement person.
in the process of repayment, the credit card cannot be overdue, because overdue repayment will generate penalty interest, and the longer it takes, the more penalty interest will be generated. After the overdue repayment, the bank will make a collection. The common collection method is to call the borrower until the cardholder has repaid all the arrears.
in fact, when the credit card can't repay on time, users can use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount and avoid overdue repayment. When using installment repayment, users can choose different repayment periods according to their own income, and then they can repay in advance.
in order to avoid overdue repayment after using the credit card, users must think about their repayment plan in advance when using the credit card, and know what income they will use to repay the arrears. If your income is relatively small, you should use credit card carefully at this time. Generally, the credit card consumption limit does not exceed 5% of your monthly income and you can return it on time.
what is credit card repayment?
Credit card replacement means that when your credit card bill is not paid, the consumption from the billing date of the credit card to the repayment date will be included in the user's bill next month, and the amount spent will be returned to the user's credit card to solve the bill, and the limit will be restored immediately, and this operation will be repeated until the repayment amount reaches the current bill limit.
It can be seen that consumption is the most important in this repayment process, that is, Whether the consumer's merchants are of high quality not only determines whether the user's credit card can be raised or not, but also reduces the credit card
Therefore, it is the key to choose a good payment software when paying back the credit card, such as the Didi Euro Credit Card Payment APP. The merchants who solve the bill consumption all make real consumption according to the city selected by the user, and the amount of each consumption is also randomly generated, which is a real merchant. This kind of bill is more in line with the big data of the bank, improves the bank score, and solves the problem of raising the card while solving the bill <
He is a local credit card agent. It is said that he paid some agency fees before he got this qualification. It looks quite formal. The software he represents is called "Dadaka Butler". I wonder if you have heard of it?
I checked carefully on the Internet, and found out the origin of this Dadaka housekeeper. It is a credit card housekeeper independently developed by Shenzhen Qianhai Banma Technology Co., Ltd. It is a solution provider focusing on mobile payment technology and comprehensive financial services, and is committed to providing mobile payment, O2O and financial services to offline merchants. This Dadaka housekeeper is a convenient mobile phone and mobile credit card management tool.
That is to say, it is a mobile phone APP. After downloading, the agent will give you a verification code before the authentication is successful. Then, you can bind one of your credit cards, and you can swipe your mobile phone software. If you need to pay for it, you can click on the function of paying for it on the software. It is said that if it is 1, yuan, 85 yuan will be charged. Convenient, timely and safe, it's a good APP. At present, the popular POS terminal in the market may be replaced by similar software in the near future. Of course, this software does not seem to be widely circulated at present, and there are many different voices on the Internet.
My suggestion is that the credit card should be properly consumed, instead of over-consuming, and the repayment should be made on time according to the repayment deadline. If money is tight, you should consider what to do when you have no funds to repay, and don't make yourself overwhelmed and overdraw your future funds.
The above is just my personal opinion, so please use it carefully.
It's a platform to find credit card repayment on the Internet to help you pay off your bills. It is recommended that you use a reliable platform-Weixin Card Loan for repayment. According to the personal credit evaluation limit, the maximum amount of Weixin Card Loan is 5, yuan, which is online. Wechat can also apply and repay in installments to help you maintain a good credit.
How to operate the credit card agency
First, the specific operation method of paying back the credit card:
1. The cardholder should find an intermediary or individual to pay back the bill before it expires.
2. Then both parties agree on the handling fee for repayment, which is generally about 1% of the repayment amount.
3. After the handling fee is agreed, the reimbursement agency or individual will help you pay off your credit card bill.
4. Then, the same amount is swiped through the pos machine provided by the other party.
5. finally, the cardholder pays the reimbursement fee to the reimbursement person.
Credit card agency still has certain risks, so you must find a regular agency to avoid being defrauded of personal information and property.
second, which platforms can repay credit cards?
1. Repaying the credit card through JD.COM Gold Bar
Everyone is familiar with JD.COM Gold Bar. As long as the user's credit score reaches the standard and meets the conditions, he can get a certain limit, and then apply for a loan within the limit, which can be directly credited to the credit card. The interest during the activity is .45% per day.
2. Pay back the credit card by borrowing money
There is a debit card in Alipay, and users with sesame score above 65 have the opportunity to get the quota, apply for a loan in the debit card to pay back the credit card, and then pay back the money to the debit card. The daily interest is .4%, which is lower than that of the bank.
3. Pay back the credit card by paying back
Paying back the credit card is a repayment product of Shanghai Jihe Technology, which can help users pay back the credit card in installments at low interest rate, and the interest paid back is 5% off the lowest repayment rate of the credit card.
4. Repaying the credit card through the province
There is a loan from Harbin Bank in the province, and there are three loan periods to choose from, and the handling fee is about 3% of the bank's.
Credit card agencies still have fees and interest, so you can try not to pay them back, and you must pay attention to whether the agency is reliable to prevent being cheated.
third, credit card repayment means that when the cardholder's credit card reaches the final repayment date, the cardholder can't make full repayment and doesn't want to pay high interest from the bank, in order to keep a good credit card repayment record, he entrusts others to repay the credit card bill on his behalf. After that, the cardholder will brush out the repayment amount and return the funds to the repayment person in the form of credit card consumption. In fact, for banks, credit card substitution is still an illegal operation. Because it may involve cashing in when repaying the repayment to the agent later. In addition, credit card substitution will only increase the repayment pressure for people with poor self-control.
What do you mean by credit card replacement?
Credit card replacement means that the cardholder has difficulties in repayment after using the credit card. At this time, he can find a third-party agency to make compensation, so as to avoid the situation that the credit card cannot be returned on time, but a certain handling fee is required when using a third-party agency to make compensation.
when looking for a third-party agency to pay for it, users had better look for a regular agency to avoid being cheated. It should be noted that the third party agency needs to brush out the returned amount on the spot after the repayment, which can only be done after the account is received, otherwise the user will fail to return the credit card arrears.
if an individual can't find a third-party agency to repay the credit card, he can use the installment repayment or the minimum repayment amount that comes with the credit card. These two repayment methods can effectively reduce the monthly repayment amount, but users need to pay a certain fee. The more installments here, the more fees will be paid.
when the user repays by installment or the minimum repayment amount, the credit card limit will be occupied, which will be affected when using the credit card for subsequent consumption. However, when individuals have spare money, users can pay off their debts in advance, which can save the expenses of handling fees and help them continue to use credit cards in the future.
can the credit card be returned by others?
the credit card can be returned by others.
generally speaking, manual repayment of credit cards requires that you bind and open a bank card with transfer function on mobile banking, and then make repayment in the corresponding account of the credit card. As long as the cardholder's name and name match, no matter whose card it is.
Of course, you'd better use your own card to repay. If you frequently use someone else's bank card to repay, the bank will question your repayment ability or use the card illegally, which will eventually lead to a reduction in the amount or card closure.
according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. 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.
This is the end of the introduction of credit card repayment and the charging standard for credit card repayment. Did you find the information you need?