Taboo 1: Using credit cards for stock trading and gambling. Banks have express regulations on the use of credit cards. It is prohibited to use credit card funds for financial management, investment, gambling, property market, etc. Even under such circumstances, there are still some cardholders who "take risks" and withdraw credit card limits in disguised acts. If the credit card is used for gambling, it will be blocked. Please don't cross the line and cause yourself unnecessary trouble.

Taboo 2: Lending your credit card to others:

First of all, this behavior is against bank regulations. When lending a credit card, the cardholder must bear the responsibility, and the bank can take back the frozen card. According to Articles 28 and 59 of the "Banking Business Management Measures", bank cards can only be used by yourself. If you lend or rent it to others, the card-issuing bank will order you to make corrections and impose a financial penalty of up to 1,000 yuan. Therefore, you cannot lend your credit card to others. Lending it to others is generally against the rules for using credit cards. No matter how close a friend is, don't lend it to others at will. Therefore, when lending a credit card, the cardholder must bear the responsibility, and the bank can recover the frozen card. If the other party overdrafts, defrauds, or cashes out your credit card, you will be responsible for the consequences.

Taboo 3: No malicious overdraft:

There are four types of malicious overdrafts, namely frequent overdrafts, multi-card overdrafts, remote overdrafts and collusive overdrafts. As a qualified cardholder, do not overdraft maliciously with a sense of luck, otherwise it will leave a bad credit record with the card-issuing bank, which will ultimately affect your personal credit score and lead to restrictions on your future life and economic activities.

Taboo 4: Pay with credit card:

According to Article 60 of the "Banking Business Management Measures", if the company's funds are deposited into a personal card account, the People's Bank of China will order it to make corrections and A fine of not more than 1,000 yuan shall be imposed. Depositing your salary onto a credit card is against bank regulations.