Not allowed
Lent to others for use
There is an interest-free period for credit card overdraft purchases. A friend wants to enjoy the interest-free period by using it, or someone Because you are not qualified enough to apply for a credit card, you want to borrow someone else's credit card to overdraft the "funds" for emergency relief. 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 for his own emergency.
This kind of behavior 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 regulation, for those who legally hold credit cards, whether they are friends or others, no matter what the purpose of others is to borrow their credit cards, it is better not to borrow, because this kind of illegal behavior will cost you. The price of money.
Deposit the company's funds in the card
Some credit card holders are accountants or cashiers of their companies. In their daily work, they may sometimes have to handle the company's funds themselves. If these funds In the company's account, the withdrawal procedure will be more troublesome. In order to facilitate withdrawal, they sometimes deposit the money into their own credit cards, but this is an illegal act. Article 31 of the "Bank Card Business Management Measures" stipulates that only cash held or transfers from wages, personal legal service remuneration, investment returns, etc. can be deposited into credit cards. Article 60 of the "Bank Card Business Management Measures" stipulates that if corporate funds are deposited into a personal card account, the People's Bank of China shall order it to make corrections and impose a fine of not more than 1,000 yuan.
Failure to report the loss promptly
Some people’s credit cards are about to expire in a few days. At this time, they have already paid off the funds owed on the credit card, but at that time, The credit card was accidentally lost at this time. Out of luck, they thought they would have to pay the loss report handling fee if they wanted to report the loss. Now they have paid off the full amount of money owed on the credit card. As soon as the credit card expires, it will automatically become invalid and it will be impossible for others to decipher their credit card within a few days. You don’t need to report the loss of your password. If this type of cardholder thinks and does this, it may cause unnecessary trouble and financial risks. Article 52 of the "Bank Card Business Management Measures" stipulates that card-issuing banks should provide cardholders with loss reporting services and set up 24-hour loss reporting. Written loss reporting is the official method of reporting loss. The responsibility for reporting loss should be clearly stated in the articles of association or agreement, explaining the importance of passwords and responsibility for loss. Article 53 of the "Measures for the Administration of Bank Card Business" also stipulates that, unless otherwise decided by judicial or arbitration authorities, after the loss reporting procedures are completed, the cardholder will no longer be responsible for changes in funds. Therefore, once your credit card is lost, report the loss immediately. Based on these regulations, it is best for cardholders not to take chances. Although reporting a loss requires paying a handling fee, it is much better than someone else deciphering their lost credit card password, making a malicious overdraft, and causing a loss of credit card funds.
Card holders cash out
Some people have installed POS machines because they own private businesses, so these private owners will use virtual transactions and other means to obtain credit cards after applying for them. They think that by doing this, they can get loan funds for emergency relief without having to pay loan interest, which is really a beautiful thing. In fact, this behavior is not allowed. Article 7 of the "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" stipulates that using sales terminals and other methods to directly pay cash to cardholders through virtual transactions, false prices, cash returns, etc. is a serious matter , according to Article 225 of the Criminal Law, he will be punished for the crime of illegal business operations. Based on these regulations, those who have credit cards and have cash-out opportunities must not operate in violation of regulations. You may be able to solve your financial difficulties and avoid paying loan interest through this method, but this is a serious illegal act and the consequences will be very serious if you are investigated.
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