Today I received a call from 037195566, saying that they would apply for a Bank of China credit card for me for free and asked some questions, right?

No, it’s just a sales call for credit cards. Nowadays, credit card salesmen use a variety of sales methods, including face-to-face sales, door-to-door sales, and telephone sales. What you encounter should be one of them.

If you do not need or do not want to apply for a credit card, it is recommended that you ignore such sales calls. If you need to apply for a credit card, it is recommended that you go to the bank to understand it and apply for it.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

What is the phone number 10109550?

10109550 is the phone number of China CITIC Bank Credit Card Center. It is usually a sales service call to promote credit card related products.

CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct unified management, centralized operation and independent accounting of credit card business. It is a first-level department of CITIC Bank Head Office and is the national headquarters of CITIC Bank’s credit card business. .

Since the CITIC Bank credit card was officially issued at the end of 2003, especially in the past four years since 2006, it has closely focused on the strategic goal of "building a world-class credit card center".

With the business orientation of “obtaining basic retail customers, establishing CITIC retail brand, becoming a profit growth point for CITIC Bank, and building a mid-to-high-end customer service system”, we firmly grasp the concept of “building a brand, building a platform, and creating management” The three major starting points are to promote the coordinated development of business efficiency, quality and scale, strive to cultivate operating characteristics and management advantages, enter a new stage of sustainable and profitable development, and become an important force in promoting the development of China's credit card industry.

Phone numbers starting with 1010 are group telephones provided by China Unicom. Therefore, 10109550 is the operator's phone number provided by China Unicom, and its main task is to promote credit card business. If you have applied for a credit card before and reserved this phone number, it is possible that the information will be verified by phone. If it has not been applied for or is in use, it may be for business promotion. For example, apply for installments, increase the limit, etc. Another possibility is that the number generated by the pseudo base station actually belongs to the phone. As long as there is no related business before, it is best not to take any action. The main purpose of calling you is to promote the credit card business. If you have applied for a credit card before and reserved this phone number, it is possible that the information will be verified by phone. If it has not been applied for or is in use, it may be for business promotion. For example, apply for installments, increase the limit, etc.

Another possibility is that the number generated by the pseudo base station actually belongs to the phone. As long as there is no related business before, it is best not to take any action.

Is ICBC’s phone number 95588 a scam?

95588 is the phone number of ICBC and will not lie. 95588 is the 24-hour national service hotline of Industrial and Commercial Bank of China. If you have a credit card debt, the bank will demand payment. This is a normal phenomenon. Generally, in this case, you can first ask your husband if he owes any credit cards. You can go to the bank counter with your ID card and ask clearly to avoid any worries.

Industrial and Commercial Bank of China (INDUSTRIALANDCOMMERCIALBANKOFCHINA, referred to as ICBC, ICBC) was established on January 1, 1984. The head office is located at No. 55 Fuxingmennei Street, Beijing. It is a large state-owned bank organized and managed and a national deputy ministerial level unit. The basic mission of ICBC is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, support enterprise production and technological transformation, and serve my country's economic construction.

The consequences of not repaying a credit card overdraft:

1. Call

Call refers to the failure to repay the loan on the last repayment date set by the bank. After the amount is deposited into the credit card account, the bank will use various means to urge you for repayment. The most common ones are phone calls and letterhead reminders.

2. Overdue records

If you fail to deposit the repayment amount (or the minimum repayment amount) into your credit card on the last repayment date specified by the bank, the bank will consider your credit card to be overdue, and the overdue credit card will be included in the personal credit reporting system, forming a credit stain on all banks. All overdue records are exclusive, so if you are continuously overdue in one bank, don’t expect other banks to let you use your credit card, including future applications for home loans, car loans, etc., you will be rejected.

If the overdue credit card payment is serious or the amount is significant, it will constitute a credit card and other criminal acts. According to Article 196 of the Criminal Law, one of the following circumstances exists:

Whoever conducts credit card activities with a relatively large amount shall be sentenced to not more than five years or criminal detention and shall be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years and a fine of not less than 50,000 yuan. A fine of not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, the offender shall be fined not less than 10 years, or concurrently, be fined not less than 50,000 yuan but not more than 500,000 yuan, or have property confiscated.

: What are the consequences of an overdue credit card?

After the credit card is overdue, you can negotiate with the credit card bank to actively repay the debt and ask it to withdraw the lawsuit.

Legal basis: Article 145 of the "Civil Procedure Law" Before the judgment is pronounced, if the plaintiff applies to withdraw the lawsuit, whether it is allowed or not shall be decided by the people. If the people's ruling disallows the withdrawal of the lawsuit, and if the plaintiff refuses to appear in court without justifiable reasons after being summoned by subpoena, a default judgment may be made.

00870 plus the last 10 digits of my number says my credit card is overdrawn, is it a phone call?

Hello, usually by phone. Please remain vigilant. Usually text messages will be sent through the 12368 number, and there will be written notification. If what the text message describes is true, then the outsourcing company is trying to scare you into paying back the money. Police don't send text messages on their phones. If you have a credit card balance, you may be subject to a lawsuit. You still have to pay what you owe. If the amount of credit card debt reaches a certain amount and does constitute a credit card crime within a certain period of time, criminal liability will be pursued in accordance with the law. It is understood that 00870 is an international maritime satellite phone. However, many telecoms use fake base stations to impersonate such calls. In short, be careful when answering these strange calls and do not transfer money to unfamiliar accounts easily.

Operating environment: (Huawei mobile phone Hongmeng OS2.0 version number 2.0.0.212)

1. The local public security bureau has a reporting hotline. You can call the Public Security Bureau to inquire. You can also report online. You can search for the 12321 Network Bad Network and Spam Report Acceptance Center. Or you can use WeChat to report. 1. First, you need to click on the WeChat logo in your phone. 2. After entering WeChat, click the I logo pointed by the arrow at the bottom of the interface. 3. Then click on the wallet mark pointed by the arrow in the interface. 4. After entering My Wallet, click City Services. 5. After entering the city service, click on the reporting center pointed by the arrow. 6. Enter the fraud information reporting flag in the reporting center interface. 7. Select the reporting item, such as reporting phone number, and click to enter.

8. Fill in the whistleblower information, reporting phone number and other information. 9. At the end of the report's text description, click the report logo.

2. The local public security bureau has a reporting hotline. You can call the public security bureau to report. You can also report online and search for the Internet Bad Spam Reporting and Acceptance Center to report. If the amount of public or private property is relatively large, the person shall be sentenced to not more than three years, criminal detention or surveillance, and concurrently or solely fined; if the amount is huge or there are other serious circumstances, the person shall be sentenced to not less than three years but not more than 10 years, and concurrently fined. If the amount of public or private property is relatively large, he shall be sentenced to not more than three years, criminal detention or surveillance, and concurrently or solely fined; if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than three years and not more than ten years and concurrently fined; if the circumstances are serious, he shall be sentenced to not less than three years and not more than ten years and concurrently fined. A fine of not less than three years but not more than ten years shall be imposed; if the amount is particularly huge or there are other particularly serious circumstances, the punishment shall be not less than ten years or a fine or confiscation of property.

3. First of all, when you suffer financial losses due to phone calls, you should report it to the local public security bureau. Then report the case, provide the most direct and effective evidence, and maximize the recovery of economic losses. Then report to the Provincial and Municipal Public Security Bureau. Secondly, the reporting center can urgently stop the payment and close the bank account involved. Finally, download the 12321 Reporting Assistant APP to report, forward the text message to the reporting platform or dial 12321.

4. Article 266 of the Criminal Law of the People's Republic of China and the People's Republic of China stipulates that those who possess public or private property with a relatively large amount shall be sentenced to not more than three years, criminal detention or surveillance, and shall also be fined at the same time or only; if the amount is huge or If there are other serious circumstances, he shall be sentenced to not less than three years and not more than ten years and shall also be fined; if the circumstances are serious, he shall be fined not less than three years but not more than ten years; if the amount is particularly huge or there are other particularly serious circumstances, he shall be fined not less than ten years or more. , and be subject to fines or confiscation of property

Is it a scammer to call Guangfa Bank’s credit card hotline 95508 and ask for personal information to apply for a credit card?

The direct call is to verify personal information, but they have no right to ask for your password.

They will only ask for your ID number. If you don't have a debit card from that bank, it's not the bank that used it.

I may have misled you. In fact, this is not what the phone number is.

Extended information

How many days will your credit card be overdue?

Every bank credit card has a certain repayment grace period. During the repayment grace period, Repayments within the deadline will not be recorded on your credit report. The grace period for credit card repayment in most banks is 3 days, and it takes effect automatically without the need for application. However, some banks have special repayment grace period regulations. The details are as follows:

1. Bank of China:

The repayment grace period of Bank of China’s Platinum Credit Card is 9 days. The grace period for other Bank of China credit cards is 3 days.

2. Postal Bank:

The repayment grace period of China Postal Bank is 4 days.

3. Guangfa Bank and Citibank:

The repayment grace period of Guangfa Bank and Citibank requires special application, which is usually about 3 days.

4. Agricultural Bank of China:

The repayment grace period of Agricultural Bank of China is 2 days.

5. Industrial and Commercial Bank of China:

ICBC’s ICBC Constellation Card and Struggle Card have a three-day grace period, while other ICBC credit cards have no grace period.

What are the consequences of an overdue credit card?

If the overdue degree reaches a very serious level, it will constitute a malicious overdraft and will be prosecuted for credit card crimes. The sentencing standard will be based on the amount of our malicious overdraft, which is less than 5 years, more than 5 years and less than 10 years, more than 10 years or more, and the penalty is more than 20,000 yuan but not more than 200,000 yuan, and more than 50,000 yuan but not more than 500,000 yuan. Fines or confiscation of property.

If your credit card is overdue more than 6 times within two years, you will not be able to apply for a provident fund loan. There may be a chance of saving if we accidentally overdue once or twice, but if we are overdue three times and six times in a row within two years, then our provident fund loan will be out of reach for us. Because when banks or provident funds handle credit business, they mainly rely on the credit history of the lender in the past two years. Therefore, cardholders who want to apply for provident fund loans to buy houses must pay back on time when using credit cards

If the overdue payment is not serious, then in theory we can still apply for bank loans. Many cardholders who want to borrow money to buy a house have been overdue and have a bad credit record.

If you apply for a commercial loan in this situation, most banks will increase the base interest rate by at least 10% because of your credit problem. Obviously, your cost of buying a house will increase greatly. If the number of overdue loans is high and serious, then you will be directly denied a loan by the bank. Therefore, when using a credit card, considering that we have plans to buy a house in the future, we must not be overdue.

That’s it for the introduction of credit card phone numbers.