1. Risks of cashing in credit cards
1. Cash-out security issues
Many people find a credit card cashing institution and ask the other party to cash out for themselves. In fact, it is very dangerous. If the other party does not return the cash to you after withdrawing it, the losses will be borne by themselves. In addition, credit card cashing may also reveal personal information.
2. Bank management and control. Banks have always banned credit card cashing, and the control will be very strict. Once the user's credit card cashing is detected, the credit card authority will be suspended, and whether the credit card will be restored in the later period depends on the severity of the line. If the user cashes in by credit card for many times, the designed amount is relatively large, and the probability of unsealing the credit card is very small.
3. Take legal responsibility. When the amount of credit card cashing is large, it may be sued by the bank, including the suite institution, and finally the cashiers will bear legal responsibility.
second, how to obtain evidence for cashing in illegal business?
the illegal business operation of cashing out can be taken as written evidence by mastering bank bills, receipts and other documents.
Article 5 of the Criminal Law can be used to prove the facts of a case, all of which are evidence.
Evidence includes:
(1) Physical evidence;
(2) documentary evidence;
(3) witness testimony;
(4) the victim's statement;
(5) confessions and excuses of criminal suspects and defendants;
(6) appraisal opinions;
(7) transcripts of inquest, inspection, identification and investigation experiments;
(8) audio-visual materials and electronic data.
the evidence must be verified before it can be used as the basis for deciding a case.
Legal basis: Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and fails to return it for more than three months after two effective reminders by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
for the purpose of illegal possession, we should make a judgment based on the credit history of the cardholder, repayment ability and willingness, the status of applying for and overdrawing credit cards, the use of overdraft funds, the performance after overdraft, the reasons for not repaying according to regulations and other circumstances. The purpose of illegal possession shall not be determined solely on the basis of the fact that the cardholder fails to repay the loan according to the regulations.
under any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law, except that there is evidence to prove that the cardholder really does not have the purpose of illegal possession:
(1) knowing that he is unable to repay, he overdraws a lot and cannot return it;
(2) after applying for a credit card with a false credit certificate, it is overdrawn and cannot be returned;
(3) evading bank collection by means of hiding or changing contact information after overdraft;
(4) Evading or transferring funds, concealing property and evading repayment;
(5) using overdrawn funds for criminal activities;
(6) other cases of illegal possession of funds and refusal to return them.