You can't lend your credit card to others. According to the regulations of the International Credit Card Organization and the People's Bank of China, credit cards and their accounts are only used by cardholders approved by the issuing bank, and may not be provided, leased or lent to others. It is a crime of obstructing credit card management. Therefore, your credit card cannot be lent to others, and the credit card must be held by the person in charge and cannot be lent to others. Lending to others is generally a violation of the use contract. It's not illegal, but it violates your contract with the bank. If you bear any responsibility for the third party because you borrowed the card, the bank will not bear any responsibility, so don't lend your credit card to others.

Lending credit cards to others is risky. Once the credit card is actively lent to others, the cardholder will be responsible for repaying the credit card debt caused by malicious overdraft of others. Credit card lost, stolen, etc. While someone else is holding a card, and you can't enjoy the bank's lost card protection and other services. All losses shall be borne by the cardholder himself. What's more, if other people's credit card cashing, fraud and other acts involve legal responsibility during the card holding period, the cardholder himself can't escape the responsibility.

Extended data

Credit card overdue repayment will face the following consequences:

1, credit card late fee. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.

2. Overdue interest. After users overdraw with credit cards, there is generally an interest-free repayment period ranging from more than 20 days to more than 50 days. If the cardholder's repayment is overdue, all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the circulating daily interest rate is as high as five ten thousandths, that is, the annual interest rate reaches 18%.

3. Bad credit record. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records. China's personal credit information records have been networked nationwide. As long as individual residents have handled loan business in banks, applied for credit cards, or provided guarantees for others, credit reports can be found in any domestic commercial bank.

4. Litigation costs. If the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the litigation expenses will be borne by the cardholder.

5. Criminal responsibility for malicious overdraft. According to Article 196 of China's Criminal Law and relevant judicial interpretations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever commits credit card fraud with malicious overdraft shall be investigated for criminal responsibility for the crime of credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20,000 yuan but not more than 200,000 yuan.

Refer to Baidu Encyclopedia-Credit Card