Can I use someone else’s credit card?

According to the regulations, it is not allowed. The credit card must be used by myself. But there is no problem if you want to lend it to others, but remember that you are responsible for repaying the money they use. The bank will not go to him because the money was spent by your family.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Application

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

Is it a crime to use someone else’s credit card falsely?

Is it a crime to use someone else’s credit card falsely? It is a credit card and constitutes a credit card crime. 1. The manifestations of credit card crimes: 1. Using forged credit cards. Using counterfeit credit cards is an important manifestation of credit card crimes. The perpetrator must have used a counterfeit credit card to constitute this crime. 2. Use an invalidated credit card. An invalidated credit card refers to a credit card that has become invalid due to legal reasons. Whether the cardholder or non-cardholder uses a credit card knowingly that it has been invalidated, they will be punished for this crime. 3. Pretending to use another person’s credit card. The so-called “pretending to use another person’s credit card” means that a non-cardholder uses the credit card in the name of the cardholder to conduct shopping, consumption, and cash withdrawals within the credit card business without the cardholder’s consent or authorization. etc. behavior. Pretending to use another person's credit card only refers to using someone else's legitimate credit card, and does not include counterfeit or invalid credit cards. 4. Malicious overdraft Overdraft can be divided into good-faith overdraft and malicious overdraft. Malicious overdrafts can be divided into general illegal malicious overdrafts and criminal malicious overdrafts. Generally illegal malicious overdrafts are administrative violations and should bear corresponding administrative and civil liabilities. Since they are less harmful to society, they do not constitute a crime. According to the type of behavior, criminal malicious overdrafts can be divided into criminal malicious overdrafts exceeding the limit and criminal malicious overdrafts exceeding the time limit.

Legal basis

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

Article 196 Under one of the following circumstances, credit card activities shall be carried out, If the amount is relatively large, he shall be sentenced to 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 but not more than 10 years, and also to a fine of not less than 50,000 yuan but not more than 500,000 yuan. A fine of not less than 10,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the sentence shall be not less than ten years or, in addition, a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscated:

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

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

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(4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Anyone who uses credit cards concurrently shall be convicted and punished in accordance with the provisions of Article 264 of this Law. ”

Is it illegal to swipe someone else’s credit card?

Whether swiping someone else’s credit card constitutes a crime depends on whether it meets the elements of a credit card crime. The details are as follows:

1. Crime The subject is a general subject, consisting of natural persons;

2. The actor is intentional in the subjective aspect and has the purpose of illegal possession;

3. The object is a complex object, that is, a credit card Management order and ownership of public and private property;

4. Objective aspects include: using the credit card in the name of the cardholder without the cardholder’s consent or authorization to conduct shopping and consumption within the credit card business , withdrawing cash, etc.

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

Article 196

Credit card crimes include the following circumstances. 1. Whoever conducts credit card activities and the amount is relatively large shall be sentenced to 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 but not more than 10 years, and also to a fine of not less than 20,000 yuan but not more than 200,000 yuan. If the amount is particularly huge or there are other particularly serious circumstances, the fine shall be not less than ten years or, in addition, a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation:

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

(2) Using an expired credit card;

(3) Using it fraudulently Other people's credit cards;

(4) Malicious overdrafts

The so-called malicious overdrafts in the preceding paragraph refer to overdrafts that exceed the prescribed limit or within the prescribed period for the purpose of illegal possession.

If the credit card is used and the credit card is not returned after being called upon by the card-issuing bank, others will be convicted and punished in accordance with the provisions of Article 264 of this Law.

Can I use a credit card?

According to the regulations, it is not possible. The credit card must be used by yourself, but it is okay if you want to lend it to others, but remember that you are responsible for paying back the money they use, and the bank will not. Since the money was spent by your family, it doesn’t matter if you sign it, just write his name on the back. It can be used by others when actually making the purchase, because you don’t need to produce an ID when making the purchase, you just need to verify it. Just sign and enter a password, and many merchants don't check the signature at all, which is why many people's credit cards are stolen after being lost.

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

ETC cannot use other people’s credit cards, because the OBU device can only be bound to one credit card, and the national regulations require that each ETC ID card can only have one. Card with ETC function.

2. How to use ETC credit card?

After the ETC credit card is applied for, the non-stop toll deduction function on the highway can be realized by inserting the OBU electronic tag device. In addition, the credit card can also be used for daily consumption, because the ETC credit card has highway payment functions and financial business functions.

The reason why most users who apply for ETC now bind credit cards are mainly because credit cards have more discounts than stored-value cards, mainly including gas rebates, shopping discounts, free equipment, car wash services, roadside assistance, and store purchases. Discounts and other activities. Allow consumers to enjoy life better while using credit cards.

3. Is it serious to have a credit card overdue once?

If your credit card usage record has always been good, but you accidentally overdue it once, as long as you pay off the balance in time, there will be no serious consequences. But if you fail to repay overdue this time, it will still cause many adverse effects over time, such as credit citations, personal credit being affected, overdue penalties, etc.

If your credit card has always been overdue in the past, another overdue period is likely to cause your personal credit with the bank to decline again, and the bank may even impose a penalty on your credit card. The credit card is reduced or the card is blocked. Overdue credit cards may not have much impact, but after all, there is no benefit to overdue, and it may also lead to serious consequences.

So when using credit cards, everyone should develop a good habit of repaying on time to avoid overdue payments.

That’s it for the introduction to using other people’s credit cards.