The original starting point was good. When I see my relatives and friends in trouble, I naturally want to help them. But who would have expected that the consequence of borrowing someone else's ID card to apply for a credit card would be debt collection by the bank? How should I handle this situation? Who should bear the responsibility for repayment?
Example: Kindly help people in trouble.
Wang Jun is a small manager of a state-owned enterprise and has never had a credit card. When he has difficulties in doing business, he wants to make a credit card emergency. Thinking that Wang Jun is qualified to apply for a large credit card, I want him to apply for a credit card and then lend it to him for turnover.
Wang Jun agreed to Raleigh's request without much thought. Who knows that after half a year, Rowley's business is getting harder and harder, and the capital chain is more tense. He can only make ends meet by cashing in with a credit card, and unconsciously owes 50,000 yuan, which he has never paid back.
Wang Jun also received a reminder from the bank, but he ignored it. He believes that although he used his ID card to run a credit card, he didn't owe the money himself, and the bank had no reason to ask for money from himself. Besides, 50,000 yuan is not a small sum.
Many friends have similar experiences in Wang Jun. I thought I was just helping my relatives and friends, but I didn't expect to get myself into trouble.
So, who will pay the credit card debt?
Although someone else used an ID card to get a credit card, this credit card is your own. If you lend it to others, you must be prepared to pay it back for others.
After all, there is such a provision in the credit card charter: the credit card can only be used by the applicant himself and may not be lent or transferred to others. "If you lend your credit card to others, the cardholder must be responsible for repaying the credit card debt caused by malicious overdraft of others.
In addition, if someone overdraws the credit card and fails to repay it on time, the cardholder will ignore it and affect the cardholder's personal credit. In addition, when the overdraft amount reaches a certain amount, criminal responsibility may be investigated, and the maximum sentence may be life imprisonment, and the cardholder himself may also be implicated.
Therefore, the best way is that the cardholder can negotiate with the bank or with relatives and friends to properly handle the arrears. Of course, the cardholder can also repay the money first and then recover it from relatives and friends, but it is very likely that he will bear huge economic losses in the end.
Finally, I remind you never to lend your ID card and credit card to others, so as not to cause unnecessary trouble to yourself.