With the development of economy, many people have their own credit cards, but it is undeniable that some people will use these credit cards to earn some pocket money for themselves. First, what do we know? Rent? 、? Hand it over? Wait for behavior! Rent is to use your credit card for daily consumption. If your credit card is abnormal during use, such as stolen funds, unpaid debts, etc. Then you may have malicious overdraft behavior. Then if you rent your nominal credit card to others for overdraft, it can be considered as illegal possession; At the same time, it is also possible to maliciously defraud loans by renting or giving them to others. What will you do if you rent or give your credit card to others?

1. Illegal possession of a credit card.

If a person has malicious overdraft behavior, then in this case, he will not return the credit card, but some people want to gain benefits in this way. Some people use this behavior to take the cards of banks or other financial institutions for themselves or illegally possess them. This kind of behavior belongs to illegal possession of credit cards, which is generally one of the constitutive elements of credit card fraud; If the credit card exceeds the prescribed limit and refuses to return it after repayment within the prescribed time limit, then it is suspected of credit card fraud.

2. Endangering personal credit records.

If someone handles a credit card in the name of an individual, the handling bank will not issue a card for the credit card. However, if this card is used by others for consumption, it will do harm to personal credit information. Because you have a bank debit card, and you have bound the provident fund before handling this card, if any information related to the loan occurs, it will be recorded and cannot be modified or deleted; Once other bad information is recorded in the credit information system, all your loans, credit cards and other related information will be unavailable. Therefore, everyone can boldly imagine! Such an unusable card will be inherited and expanded by you, just like the bad record of not being able to repay on time and defaulting on utilities! Of course, it's just that personal privacy information has not been leaked! But don't forget that there is another situation that needs attention, that is, you already have a credit card, and your ID card and household registration book are bound. That is also a very dangerous signal!

3. Affect the credit policy.

If you give the credit card in your name to others, then you want to apply for credit in the future, which is also strictly approved by the bank. First of all, your personal credit record is not good, and applying for credit will be restricted; Secondly, although the bank can help you with the loan, it is still necessary to evaluate your previous credit, such as credit history, income status, work unit, etc., before lending. Thirdly, if you rent your credit card to others, the bank can directly reject your loan application. Secondly, never give your credit card to others! At present, many banks have implemented real-name management for cardholders' credit cards. If a person has more than one credit card under his name, then the person will be restricted from lending to the bank.

So remind everyone: don't make some illegal and criminal acts! If you illegally use credit cards to make profits in your life, such as pretending to be a leader, making false purchases, making false claims and so on. Then it may also be punished by the public security organs. Because the quality of personal credit is often related to our spending power. If credit is not good, then credit card consumption will also be affected! Especially when we find that we don't want to use the credit card or don't know that we have violated the relevant regulations of the credit card after handling the credit card! So if the bank doesn't handle it in time! Credit will lose the qualification to continue to use!