I handled the credit card, but what should I do if someone else uses the money?

Credit card is a financial instrument with overdraft function, which is secured by personal credit. Even if the credit card funds are used by others, the nominal holder of the credit card still has to bear the responsibility for repayment, because when the credit card is issued, the credit card holder signed a Credit Card Use Contract with the bank in his own name, which restricts and adjusts the relationship between the credit card holder and the bank, and must fulfill the repayment obligation according to the contract, otherwise it will constitute a breach of contract, and there will be bad credit information collection.

What should I do if someone else fails to use my credit card?

In this case, you need to negotiate with the other party. If the amount is large, you can file a lawsuit.

1. The credit card can only be used by individuals according to the regulations, and others cannot use it. If the amount is not large, you should repay it when it is due, and then ask the other party for debt. If the amount is too large to repay, please choose the minimum repayment or installment repayment. According to China's policy, even if someone borrows a credit card, he must bear the debt himself.

2. If someone uses his own credit card to spend money and fails to pay back the money, it is suggested to pay off the credit card loan first, and then ask the other party for money. If the credit card is not paid off, the bank can hold the cardholder responsible, and if it is in arrears, it will cause high interest and credit problems. Negative information such as credit card being frozen and unable to use, and late payment will be recorded on personal credit card.

3. There is no permanent record in the personal credit report about the overdue repayment of negative information. The credit record of China is the current five-year period. If the credit card loan is paid off, anyone can make a new credit record and start all over again. Whether you commit a crime or go to prison depends not only on the loan period, but also on the principal of the credit card loan.

according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or some functions such as consumer payment, credit loan, transfer settlement, cash deposit and withdrawal. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).

On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

What should I do if my credit card is stolen?

First, freeze or report the loss in time. Call the official customer service phone of the issuing bank as soon as you find the credit card stolen, inform the abnormal transaction, and freeze the account or report the loss of the card in time. If the third-party payment platform is involved, immediately contact the telephone to control the withdrawal of funds.

second, report the case to the public security organ immediately. Keep the receipt of the case. Describe the stolen credit card in detail, and prove that the credit card is still kept by myself, and the stolen credit card consumption is not my own doing. Some payment institutions require cardholders to provide a receipt of the case as proof of denying the transaction.

third, it is fixed evidence. Immediately make a card transaction at the nearest ATM or POS to prove that the card is not lost on you and the fixed electronic evidence witness card is not separated. If the card has been frozen or lost, the card will not be swiped successfully, and the card may be swallowed when trading through ATM. Please don't panic, just follow the relevant regulations of the bank.

fourth, ask the bank to give important documents. Find a place with a fax machine, call the customer service phone again with the fax machine phone, and ask the customer service to fax two important documents for you. "Statement of account inquiry" and "Additional explanation of non-personal transaction".

To prevent the credit card from being stolen, we should pay attention to three aspects:

1. Keep it properly. Take good care of the credit card and the corresponding documents, the information and password on the credit card face, and the mobile phone number reserved when handling the card. Don't give your credit card to others or tell them your password. If you handle mobile banking or online banking, you should be vigilant when operating transactions and pay attention to account changes in time.

2. It is standard payment. Go to a regular merchant to swipe your card. Pay attention to whether there are suspicious devices around you when swiping your card, and keep a safe distance from others when entering your password to prevent your password from being peeked at. Improve the vigilance against phishing websites, unsafe links and telephone calls, and do not enter passwords in an unsafe environment to avoid information leakage.

3. It is to enable SMS reminder. Try to open the credit card SMS notification function and pay attention to it at any time, keep abreast of the changes in funds, improve the response speed and prevent the loss from increasing.

4. it is reasonable for users whose credit cards have been stolen and swiped for tens of thousands of dollars to refuse to repay the arrears. Of course, I don't mean that if I talk, I don't have to pay back this debt. In the event of a fraudulent transaction, the cardholder needs to take immediate measures, including freezing the account and reporting the loss of the account. When you can provide proof that your credit card was stolen, you don't need to repay this debt.

what should I do if someone swipes my credit card?

1. According to the credit card collection contract, the credit card shall not be transferred to others, and all responsibilities arising from lending to others shall be borne by the cardholder. In the case of overdue credit card, it will affect your friend's credit record. If the overdue period exceeds 3 months, the bank has the right to the cardholder (your friend), who has been suspected of malicious overdraft according to Article 196 of the Criminal Law. The current relationship is a triangular debt relationship. Your friend borrows money from the bank and then gives it to others. . At the instigation of your friend, the card used by others is authorized by your friend. \ \ Solution: Ask your friend to find the card user as soon as possible, and ask him to write an iou or write a credit card statement. Make up the amount owed as soon as possible, return it, and keep the bank repayment voucher. Ask your friend to bring the iou and repayment voucher, and ask a lawyer to file a lawsuit against the cardholder and apply for enforcement.

What should I do if someone else uses my credit card and doesn't return it?

If someone else uses your credit card and doesn't return it, you need to negotiate with the other party. If the amount is large, you can bring a lawsuit.

according to the regulations, credit cards can only be used by individuals, and others are not allowed to use them. If the amount is not large, you can repay the loan when it is due, and then ask the other party for the arrears. If you are unable to pay off the full amount due to the large amount, you can choose the minimum repayment or installment repayment.

according to China's policy, if you lend your credit card to others, you still need to bear the debt yourself. Therefore, if the other party does not repay the money, the cardholder can only try to communicate with the other party to solve it.

if you can't settle this debt, you will have to bear it by yourself legally.

According to the Management Measures for Credit Card Business issued by the People's Bank of China in 1996, credit cards are only used by legitimate cardholders, and cardholders are not allowed to rent or lend credit cards and their accounts. Therefore, it is illegal to lend the credit card to others. If the cardholder insists on lending it, all the consequences arising from renting, transferring or lending the credit card shall be borne by the cardholder.

If someone cashes in your credit card and then invests the cashed money, the consequences will be more serious, and if the circumstances are serious, they will be suspected. In particular, if the circumstances are serious, the overdraft principal is more than 5,, and the repayment is not made for more than 9 days, and the bank will directly report to the cardholder after two effective collections fail.

you can choose the other party, but the bad credit generated after the deadline will not be revoked.

what should I do if my credit card is stolen?

you should call the police and report the loss of the credit card. The cardholder does not need to pay back the principal and interest owed by the stolen credit card. If it is determined that the credit card transaction involved is a fake card transaction. Then the principal and interest involved in the case are not caused by the cardholder's breach of contract, and the cardholder should not be liable for breach of contract. However, if the cardholder fails to report the loss of the credit card after the transaction is abnormal and an alarm is given, the resulting worry-free value-added service fee for using the card should be repaid.

Legal basis

Article 264 of the Criminal Law

Whoever commits a crime of public or private property with a relatively large amount, or repeatedly enters a house, carries a murder weapon or pickpockets, shall be sentenced to not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, it shall be sentenced to not less than three years but not more than ten years, and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, it shall be sentenced to more than ten years or, in addition, a fine or confiscation of property.

let's stop here for the introduction of how to use credit cards.