The bank will report to the police when it finds that the credit card application information is fraudulent.
1. If the cardholder, for the purpose of illegal possession, exceeds the prescribed limit or overdraws within the prescribed time limit, and fails to return it for more than 3 months after being repeatedly urged by the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.
2, credit card++activities, the amount is relatively large,++or less than five years of criminal detention, and impose a fine of 20 thousand yuan to 200 thousand yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than++or++10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
Consequences of filling in false information when applying for a credit card Can I fill in false information when applying for a credit card?
Credit cards are used for advance consumption of credit loans. It is absolutely not advisable to fill in false information when applying for a credit card. Don't take chances, thinking that you can get away with it, and it is very likely that your cleverness will lead to your card failure.
First, identity card fraud.
People who use fake ID cards to handle credit cards can be said to be extremely stupid. Because identity information has been networked nationwide, banks are extremely strict about personal identity verification, and fake ID cards are very easy to identify. Once discovered by the bank, the applicant loses the qualification to apply for a card. If the circumstances are serious, for example, after the card is completed, the credit card is used without authorization, and the repayment is not made in time, resulting in malicious overdue, which will be blacklisted by the bank, and the bad credit investigation behavior will be uploaded to the credit investigation system, even constituting the crime of loan fraud.
Second, the work certificate and income certificate are false.
In order to ensure that the money released can be collected, the bank must ensure that you have a stable job and income. For further verification, a return visit will be made during the audit. Once you are found to be fraudulent, the bank will think that there is something wrong with your financial repayment ability and your personal integrity is not good, and directly refuse the card.
If you simply exaggerate your work income, the bank will think you cheated. In order to defraud the bank of its high quota, if you find out, the bank will refuse.
In short, when submitting credit card application materials, you must ensure the accuracy of the information. If you just fill in the information by mistake, the result may be that the card will not be received and the bank will not approve the card, which is harmless. If you deliberately use false information, once it is discovered by the bank, it will affect your personal credit. If the circumstances are serious, it will cause huge losses to the bank, and the bank is likely to pursue your legal responsibility.
Will filling in false information when applying for a bank credit card affect your personal credit record?
False information is identity information, there will be no credit card and no credit history. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
Extended data
According to the application materials, the bank will review the applicant's various information and economic situation to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.
Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Baidu encyclopedia-credit card
Can the information and education used to apply for a credit card be falsified? I mean, can banks check academic qualifications?
You can't.
1. In the view of banks, academic qualifications can reflect the income level of applicants to a certain extent. Generally, people with high school education or below will not have a high income level. In addition, highly educated people attach great importance to their credit information, and the risk of default will be relatively small. So the bank will require the applicant's education.
Of course, this does not mean that you only need to fill in a fake degree in order to apply for a card. After receiving the application and materials submitted by the applicant, the bank will review the materials submitted by the applicant. If it is found that the academic qualifications are fraudulent, the bank will refuse to approve the card.
In addition, even if the credit card is obtained through academic qualifications, once the bank finds that the income certificate is false, it has the right to immediately take back the credit card in the applicant's hand and ask the applicant to bear the corresponding responsibilities. It is necessary to know that providing false information to handle a card according to national laws is a credit card++behavior.
However, credit card education is not the only influencing factor.
4. If the education is not high, it is best not to apply for a card online, because online application will have higher requirements for education, and education below high school may pass directly.
Therefore, it is recommended that applicants with low academic qualifications choose offline channels and go to the counter to find bank staff to communicate in detail, so that they can submit sufficient financial proof and may successfully apply for a card. After all, financial resources can best reflect the applicant's repayment ability. As long as the repayment ability is high and the education level is low, banks may turn a blind eye.
1. Fill in truthfully, unless the education is really low, such as only graduating from junior high school, then it is no problem to fill in high school or junior college. Bachelor degree or above is best not to fill in easily.
As we all know, the level of education is a very important link in applying for a credit card. It is difficult to apply for a credit card with a low education. After all, in the eyes of banks, education is the embodiment of a person's quality. The higher the education, the higher the quality and the higher the income. People with higher education pay more attention to personal credit, and the safer the bank's funds are placed on these people.
Of course, this is just general logic. In the real society, people with high education and low quality are not uncommon.
3. If the academic qualifications are falsified, many banks can now check their academic qualifications through Xue Xin. Once you find that the information you have filled in is fraudulent, your personal qualifications are just average, and it is very likely that you will directly refuse the visa.
4. When applying for a credit card, banks value personal credit information and work income. It is easier to apply for a credit card if you have a stable job. For example, one is a civil servant with a monthly income of 5,000 yuan, and the other is a private enterprise boss with an annual income of 200,000 yuan. Banks prefer to issue credit cards to civil servants, because in China, civil servants often represent the word "stability".
In the case of low education, Ke Ben suggested that it is best not to apply for a credit card online. You can apply directly at the counter and bring your work certificate and income certificate. If you have assets, the pass rate will be higher.
Can I get a credit card and fill in a fake company phone number? There may be these consequences.
As we all know, it is necessary to apply for the phone number of the credit card company, and many people fill in a fake company phone number without a job or the company has not opened a landline, wondering if they can apply for a card. What I want to say is that it is very serious to fill in false information on credit cards. Let's take a look together.
Let's look at an example first.
Kayou Xiaoqi has no job. He applied for a credit card in China Construction Bank official website. When he was filling in the unit number, he randomly searched one on the Internet. The company information is also false. I thought the bank wouldn't really verify it. As a result, the bank called this number to pay a return visit and found that there was no such person. As a result, the card was naturally rejected
analyse
To apply for a credit card, you need to fill in your work information and landline number. One is to confirm whether the applicant has a stable job, so you will call back. Once you fill in a fake company phone number to apply for a credit card, the bank finds that you have filled in a fake company phone number during the return visit, so the most direct consequence is that the credit card will not pass the examination.
This is because for banks, it is impossible to judge whether they have repayment ability according to your work. Secondly, if you use fake information to run a card, it will give the bank a feeling of lack of credit. The bank can't guarantee whether you will repay on time, so naturally it won't take the risk of getting a card for you. In addition, if you use a credit card to fill in false information, such as company name, company phone number, etc., once it is discovered, the bank will record it, which will damage personal credit and affect personal credit information.
It can be seen that it is not feasible to use a credit card to make a fake company phone, so don't take any chances. After all, once the bank discovers fraud, it is still a trivial matter to handle the card, but if the credit information is affected by fraud, it will not be worth the candle. More importantly, even if you get off the card and the information is found to be false by the bank, then the bank will not only seal your card, but also++you. After all, providing false information to run a card will be suspected of credit card++,so it is best not to try it easily.
The introduction of false information on credit cards and the application for credit cards with false information are thus over. I wonder if you found the information you need from it?