What crime does renting a credit card constitute?

Leasing a bank card violates the legal system related to bank cards and is suspected of obstructing credit card management. The crime of obstructing credit card management refers to the act of violating national credit card management regulations, obstructing the state's management activities of credit cards, and disrupting the order of credit card management during the issuance and use of credit cards.

Legal basis:

Article 177 of the "Criminal Law of the People's Republic of China" Whoever, under any of the following circumstances, obstructs the management of credit cards shall be sentenced to not more than three years or Criminal detention, and concurrently or solely a fine of not less than 10,000 yuan but not more than 100,000 yuan, if the amount is huge or there are other serious circumstances, the sentence shall be not less than three years but not more than 10 years, and also a fine of not less than 20,000 yuan but not more than 200,000 yuan: (1) Knowingly Holding and transporting counterfeit credit cards, or holding and transporting blank credit cards knowing that they are counterfeit, a larger number (2) illegally holding other people's credit cards, a larger number (3) using false identity certificates to defraud Those who receive credit cards (4) Sell, buy, or provide others with forged credit cards or credit cards fraudulently obtained with false identity certificates.

Fund credit is damaged! The China Banking and Insurance Regulatory Commission reminds you to prevent the risks of renting credit cards. What specific information is there?

The specific information is that lending a credit card will cause harm: affecting personal credit reporting, justice, huge overdue fees, affecting cardholders’ loans, excessive consumption and inability to repay, etc.

01. The China Banking and Insurance Regulatory Commission reminds you to guard against the risks of renting credit cards and affecting personal credit loans.

First of all, the China Banking and Insurance Regulatory Commission updated its official news and issued a long article reminding netizens to guard against the risks of renting credit cards. Nowadays, everyone has a credit card. Everyone has a limit of tens of thousands on the card, and everyone likes to use credit cards. If a friend is in a hurry to use money, the cardholder will temporarily relent and give his credit card to the friend. If the friend returns the credit card on time, nothing will happen. If the friend refuses to admit it and neither party has an IOU, then the cardholder must either repay the credit card himself or be a friend. This is what the China Banking and Insurance Regulatory Commission says about lending credit cards.

Besides, if your friend doesn’t pay back the money and you don’t have the money to pay back the credit card, it will be overdue. There are handling fees for overdue credit cards, and the handling fees are very expensive. In addition, if your credit card is overdue, you will be subject to a credit report. Even if you pay off the credit card in the future, the overdue record will still exist. If you want to get a loan to buy a house, but because of this overdue period, you may not be able to get the loan.

02. Lending credit cards will also bring legal risks.

Although we lend our credit cards to friends, if a friend does something illegal and uses your credit card, the police will target you when they investigate, and they will also be looking for you. Because we need to understand that the law clearly stipulates that credit cards cannot be used for illegal cashing out or other illegal activities, otherwise the cardholder will need to bear corresponding legal responsibilities.

To put it simply, when we use credit cards, we must abide by laws and regulations. Use the credit cards yourself, do not lend them to others, and do not tell others your account and password to avoid having your credit cards stolen and causing financial losses. .

03. Summarize.

I hope that most netizens will read the latest news articles of the China Banking and Insurance Regulatory Commission, read and learn more, and avoid being tricked. If something goes wrong, please seek help from the police as soon as possible.

What are some tips on preventing the risks of renting credit cards? How to use credit card correctly?

We use credit cards as payment tools in our lives. This kind of bank card is completely different from our ordinary savings cards. Our ordinary savings cards generally require us to Only a certain amount of money in the memory can be used for consumption, but bank credit cards are completely different. People can withdraw the amount in the card in advance without depositing funds, but they need to pay attention when using it, and they must be on schedule. Otherwise, you will easily be included in the bank’s credit blacklist. Therefore, when using a credit card, we must guard against the risks of renting a credit card and protect the safe use of our credit cards.

For some criminals, they will charge some personal credit cards for malicious cash-out, but we rent out our credit cards to those telecom elements or other criminals for some small favors. We also need to bear joint and several liability, so for the sake of the safety of our credit cards, we must not rent our credit cards to others at will, especially the supplementary credit card. Some people will lend the supplementary card to others for use. If the amount used exceeds the limit, the main card user needs to pay off the balance in the card, which greatly increases the risk for the main card user.

When using a credit card, we need to pay attention to repaying the loan on time, because if the previous debt is not paid off according to the specified repayment date, it is very likely that it will be included in the tax bill. If you are on the list of overdue credit cards, you will have certain problems with your credit report in the past few years, and you will not be able to apply for loans or other credit-related businesses. In addition, when you use a credit card, you may be charged a certain annual fee. There are fees or card fees, so users must ask the bank staff in detail before using the credit card, so as to avoid verbal disputes caused by the bank charging card fees.

How to transfer a credit card

It cannot be transferred or leased to others for use.

There is an interest-free period for credit card overdraft consumption. Some friends want to enjoy the interest-free period by using it, or some people want to borrow other people's credit card overdraft "funds" for emergency relief because they are not able to apply for a credit card due to insufficient conditions. The cardholder has lent it to a friend out of selfish motives, or to a person who needs to use the funds in someone else's credit card to help him or her in an emergency.

This kind of lending to friends or renting to others is not allowed. Articles 28 and 59 of the "Bank Card Business Management Measures" stipulate that bank cards and their accounts can only be used by the individual. The card-issuing bank should order it to make corrections and impose a fine of not more than 1,000 yuan. Based on this provision, for those who legally hold credit cards, whether they are friends or others, no matter what the purpose of others who want to borrow their credit cards, it is better not to borrow them, because this kind of illegal behavior will cost you. The price of money.

China Banking and Insurance Regulatory Commission: Do not rent out or hand over credit cards in your name to others. What may be the consequences of doing so?

Personal credit cards involve the security of personal funds. If you lend your credit card to others to engage in some financial illegal activities, you may be legally responsible.

That’s it for the introduction to credit card rental.