I lent my credit card to someone else and asked him to write an IOU. How to write it

The basic contents of the IOU include:

The name of the creditor, the loan amount (the original amount) ), interest calculation, repayment time, default (delayed repayment) penalty, processing method, as well as the debtor’s name, loan date and other essentials.

As long as the creditor's name, loan amount, debtor's name and loan date are present (even though they are added later), they meet the main requirements of the IOU and are therefore legally valid.

Extended information:

1. Personal IOU

Reason: Due to personal financial constraints, I borrowed ×××1,000 yuan (one thousand yuan) today

Borrower: ××× (signature)

Borrowing date: April 1, 2009 Repayment date: August 1, 2009

2. Individual IOU

How much money does Party A borrow from Party B on a certain day of a certain month of a certain year? The loan period is xx and it is agreed to be returned on a certain day of a certain month of a certain year. What is the interest rate? If Party A cannot repay it on time, how much liquidated damages will be paid? .

Party A’s signature:

Date:

3. Personal IOU

Party A’s xxx (ID number:) has been received today Party B xxx (ID number:) RMB. (uppercase)

The loan period is: year, from year, month, day to year, month, day.

The loan interest is: ..

Borrower’s signature:

Date:

Baidu Encyclopedia - IOU

How to write an IOU when borrowing a credit card

The IOU should be entered into in writing, specifically stating the lender's identity information, loan amount, interest calculation, repayment time, loan date and other terms. Article 668 of the Civil Code: A loan contract shall be in writing, unless otherwise agreed upon for a loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

How to write an IOU for borrowing a credit card

Article 6 of the "Measures for the Payment of Litigation Fees" The litigation fees that the parties shall pay to the people include: (1) Case acceptance fee; (2) Application fee ;(3) Transportation expenses, accommodation expenses, living expenses and lost work allowance incurred by witnesses, appraisers, translators, and adjusters when they appear in court on the date designated by the people. Article 197 of the "Contract Law of the People's Republic of China" shall be in written form, unless otherwise agreed on the loan between natural persons. The content of the loan contract includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

How do I write an IOU when my friend lends me a credit card?

The IOU should include the following elements:

1. Identity information of both parties, such as names, ID numbers, Contact information, phone number, etc.

2. Agree on the specific amount of the loan, and the method and channel for payment of the loan.

3. Whether there is an agreed interest rate for the loan between the two parties.

4. Agree on the time and method of repayment.

5. Both parties to the IOU shall sign and seal or sign and fingerprint.

What is the process for non-repayment of a loan?

(1) The parties shall first submit a written statement and submit a corresponding number of copies according to the number of opposing parties. If the parties are citizens, the names, genders, ages, places of origin, and residential addresses of both parties should be stated.

If the party concerned is an organization, the name, address, legal representative or person in charge of the organization should be stated. The main body of the letter should state the requested matters, facts and reasons, and the tail should be signed or stamped with an official seal.

(2) According to the principle of "whoever makes the claim must provide evidence", the plaintiff shall submit the following materials to the court:

1. Materials concerning the plaintiff's subject qualifications. Such as the originals and copies of resident ID cards, household registers, passports, return certificates for Hong Kong and Macao compatriots, marriage certificates and other evidence. Enterprises acting as plaintiffs should submit copies of business licenses, business registration certificates and other materials.

2. Evidence to prove the plaintiff’s claim. Such as contracts, agreements, credit documents (IOUs, IOUs, etc.), receipts and delivery vouchers, correspondence, etc.

(3) When submitting documentary evidence, the party concerned shall fill in a duplicate evidence list, detailing the name and page number of the evidence to be submitted. After the evidence is verified by the person in charge, the person in charge will sign and seal the evidence list, one copy will be handed over to the parties, and the other will be filed.

(4) After the parties have completed the necessary procedures and submitted all relevant evidence materials, the case filing court will handle the case filing procedures within seven days for those who meet the conditions for filing the case. For those who do not meet the conditions for filing the case, it will make a ruling in accordance with the law. Not accepted.

(5) The parties concerned shall prepay the case acceptance fee and other litigation costs within seven days from the date of receipt of the acceptance notice. If there are indeed difficulties, they may apply to this court for a reduction or reduction within the prepayment period. If the written application for postponement or exemption of payment is not submitted within the time limit or the written application for postponement, reduction or exemption of payment is not approved and the application is still not submitted in advance, this court will rule that the case will be automatically withdrawn.

(6) After the case filing procedures, the case will be scheduled for trial. The parties concerned should comply with various work arrangements and go to the finance office to settle the litigation expenses after the case is concluded. Any excess will be refunded and any less will be compensated.

How to write an IOU when lending a credit card to others

1. It is illegal to lend a credit card to others. Once a bad debt occurs, the cardholder must bear all the consequences;

2. If you must borrow, the loan amount (credit limit), interest rate, settlement method and cycle must be stated on the IOU. The annual interest rate shall not exceed 24%. If you want to go higher, you can pay a handling fee or The management fee will increase and be controlled within 6% of the annual fee.

3. It is recommended to borrow money in the form of a loan contract and indicate the repayment matters (monthly);

4. Finally, I would like to remind you that such an IOU or contract is not legally recognized;

Extended information:

1. The lender must be a specialized financial institution approved by the state. , including the People's Bank of China and specialized banks. Specialized banks refer to the Industrial and Commercial Bank of China, the People's Construction Bank of China, the Agricultural Bank of China, the Bank of China and credit cooperatives, etc. Credit business across the country can only be handled by national financial institutions, and no other unit or individual has the right to enter into a lending relationship with the borrower.

2. Borrowers generally refer to enterprises owned by the whole people and collectively that implement independent accounting and are responsible for their own profits and losses. State agencies, social groups, schools, research units and other units that implement budget allocations do not have the right to apply for loans from financial institutions. Under special circumstances, urban and rural individual industrial and commercial households and farmers who implement the production responsibility system can also become the subject of loan contracts and sign loan contracts with banks and credit unions.

3. The loan contract must comply with the requirements of the national credit plan. A credit plan is a prerequisite and condition for signing a loan contract. The borrower must apply for a loan from the lender in accordance with the national approval and credit plan; the lender must sign a loan contract with the borrower on the condition that it complies with the credit policy of the national credit plan. Extra-plan loans must be strictly controlled.

4. The subject matter of the loan contract is RMB and RMB. RMB is my country's legal currency and the main subject matter of the loan contract. It is mainly used for borrowing by Sino-foreign joint ventures and other units that need foreign exchange loans. In the loan contract, it should clearly stipulate the currency to be borrowed and the currency to be repaid (including the calculation of interest)

5. When entering into a loan contract, a guarantee or guarantee must be provided. When a borrower applies for a loan from a bank, he must have sufficient materials as a guarantee or a third party to provide a guarantee. Otherwise, the bank has the right to refuse to provide the loan. This guarantee or guarantee is a guarantee that the loan will be repaid on time.

6. The loan interest rate in the loan contract is uniformly stipulated by the state and managed by the People's Bank of China. When the borrower repays the loan, he or she must generally repay the loan interest, and the interest rate must be calculated and paid in accordance with the unified regulations of the state. The parties have no right to negotiate, and no one has the right to change or modify the interest rate stipulated by the state.

Bad debts refer to receivables that an enterprise cannot recover or has extremely low possibility of recovery. Losses caused by bad debts are called bad debt losses.

It is a normal phenomenon for enterprises to have bad debts and cause bad debt losses. According to the relevant regulations of our country, if an enterprise's accounts receivable meet one of the following conditions, they should be recognized as bad debts:

① Due to the death of the debtor, it still cannot be recovered after paying off his estate;

② Because the debtor is bankrupt, it still cannot be recovered after paying off its bankruptcy property;

③ The debtor has not performed its debt repayment obligations for a long period of time (such as more than 3 years), and there is sufficient evidence to show that it cannot be recovered or recovered. The possibility is extremely small.

From a subjective point of view, there are four objects directly affected by credit card fraud, namely cash currency, commodity currency, merchant services and the credit card itself.

Cash currency and commodity currency are carriers of social wealth and are tangible property.

The perpetrators of credit card fraud illegally take possession of property that is not their own, which is a violation of social wealth. Obviously, tangible property is a direct target of credit card fraud. Merchant services here refer to the service services provided to cardholders by credit card merchants, such as service staff in hotels, entertainment centers and other consumption places.

This is a kind of materialized social labor that exists in the service process and is a kind of social commodity. Similarly, the credit card itself has a material form, that is, a plastic card, which is used as a voucher for commodity transactions in the circulation field and embodies certain monetary functions. Therefore, it is a special financial commodity.

From the perspective of social commodities, both merchant services and the credit card itself may be directly harmed by credit card fraud and become the target of credit card fraud.

Reference: Baidu Encyclopedia - Loan Contract

Reference: Baidu Encyclopedia - Bad Debt

Reference: Baidu Encyclopedia - Credit Card Fraud

How to write an IOU to borrow a credit card?

How to write an IOU to borrow a credit card: The IOU is borrowing ____ (cardholder’s name) and the balance of the credit card is ____ yuan, capitalized is ____ yuan. Borrower: ____ Date: __ month __ day __ year. It is illegal to lend a credit card to others. Once a bad debt occurs, the cardholder must bear all the consequences. The Supreme People's Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases has delineated "two lines and three areas" for loan interest rates. The first line of the "two lines and three areas" is that the annual interest rate does not exceed 24% (monthly interest rate) If the annual interest rate does not exceed 2%), it belongs to the judicial protection zone; the second line is if the annual interest rate is more than 36% (the monthly interest rate does not exceed 3%), the interest agreement for the excess part is invalid and belongs to the invalid zone. The annual interest rate between 24% and 36% (monthly interest rate between 2% and 3%) is the natural debt zone. If the lender requests the borrower to pay interest exceeding 24% of the annual interest rate, it will not be supported; if the borrower has already paid, it will not be supported. Protect. If the borrower and the borrower do not agree on the interest or the interest agreement is unclear, and the lender claims to pay interest during the loan period, the people will not support it. Borrowing term. According to Article 188 of the General Principles of the Civil Law, the statute of limitations for an IOU that specifies a repayment period is 3 years from the expiration of the repayment period, while for an IOU that does not specify a repayment period, the statute of limitations is 20 years. Article 108 of the General Principles of the Civil Law Debts must be paid off. If the debt is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the people's ruling. Those who are able to repay but refuse to repay shall have the people's judgment to compel repayment.

This concludes the introduction to the credit card IOU format and bank IOU format. Have you found the information you need?