It is illegal to 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 can only be used by cardholders approved by the card issuer, and may not be provided, rented or lent to others, which is a crime of obstructing credit card management.

What are the constituent elements of the crime of obstructing credit card management

The constituent elements of the crime of obstructing credit card management are as follows:

1. Object element. The object of the infringement is the state's Credit card management system;

2. Objective elements, the objective aspect is behavior that hinders credit card management;

3. Subject elements, the criminal subject is a general subject;

4. Subjective elements. The subjective aspect is intentional and generally has the purpose of seeking illegal benefits.

Legal basis: Article 177-1 of the Criminal Law of the People's Republic of China

The crime of obstructing credit card management falls under any of the following circumstances: , shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or solely be fined not less than 10,000 yuan but not more than 100,000 yuan; if the quantity is huge or there are other serious circumstances, the sentence shall be not less than three years but not more than 10 years of fixed-term imprisonment, and shall also be fined not less than 20,000 yuan. Fines of up to 200,000 yuan:

(1) Holding and transporting credit cards knowing that they are counterfeit, or holding and transporting blank credit cards knowing that they are counterfeit, in larger quantities;

(2) Illegally holding other people’s credit cards in large quantities;

(3) Using false identity certificates to fraudulently obtain credit cards;

(4) Selling, Purchasing or providing others with forged credit cards or credit cards fraudulently obtained with false identification.

The crime of stealing, bribing, or illegally providing credit card information. Anyone who steals, bribes, or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.

If a staff member of a bank or other financial institution takes advantage of his position to commit the crime in Paragraph 2, he shall be severely punished.