Which article of the credit card management agreement requires changing the suspension mobile phone number

Article 43. Article 43 of the Credit Card Management Agreement requires you to change your suspended mobile phone number. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

Important terms in the credit card application contract

1. Cardholder: refers to the natural person who is approved by Party A and issued the credit card. If there is no other special agreement, it includes the principal cardholder. Cardholder and each additional cardholder under the principal card (subject to context).

2. Credit card account: refers to the account under the credit card opened by Party B with Party A. This account is a dual-currency account (RMB and foreign currency) or a single-currency account (RMB or foreign currency). Party A's credit cards held by Party B are all classified into corresponding credit card accounts according to Party A's definition. Credit cards under the same account are entitled to the credit limit approved by Party A.

3. Credit card transaction: refers to a daily consumption transaction conducted by using a credit card, or using a credit card and/or transaction password (not for non-consumption), including but not limited to payment, advance loan Cash and other transaction types approved by Party A.

4. Cash advance: refers to the cash advance approved by Party A for Party B and its supplementary cardholders using credit cards at bank counters or ATMs or other transaction methods approved by Party A. Credit card transactions involving cash withdrawals or transfers using the cash advance limit within the limit.

5. Credit limit: It is the maximum limit that Party B can use repeatedly within the validity period of the card, which is determined by Party A based on Party B’s credit status. It is the maximum limit for all cards (including main cards and supplementary cards) under Party B’s name* The maximum usage limit is also the same limit for RMB accounts and foreign currency accounts. Party A has the right to adjust its credit limit at any time based on changes in Party B's credit status and notify Party B by phone, writing, text message or other means. In addition, when Party B requires a higher credit limit within a certain period of time due to reasonable consumption needs, Party B may apply for a temporary increase in the credit limit, subject to Party A's approval. Party B’s actual available quota at each point in time is calculated in accordance with the method determined by Party A.

1. According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records relevant information about the cardholder's account, has bank credit limit and overdraft functions, and provides cardholders with relevant bank information. Various media for services. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consuming, 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 the cardholder. A credit card with a certain credit limit that allows consumption within the credit limit and then repayment; a quasi-credit card means that the cardholder deposits a certain amount of reserve fund as required. When the balance of the reserve fund account is insufficient for payment, the credit card can be A quasi-credit card with an overdraft within the credit limit. The so-called credit card generally refers to a credit card only.

2. The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line.

Ping An Bank Credit Card Application Agreement

Ping An Credit Card Personal Credit Card Application Form contains a credit card application agreement. After reading it in detail, you need to sign it. For express delivery, you need to sign for it. If you need to inquire about Ping An Bank's credit card business, you can click the link below and select "My" in the lower right corner - exclusive customer service or follow Ping An Credit Card's WeChat public account (paxyk95511) for consultation.

Chinese Criminal Law Treaty on Credit Cards

According to the "Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards in the Criminal Law of the People's Republic of China" by the Standing Committee of the National People's Congress Based on the situations encountered in judicial practice, the committee discussed the meaning of "credit card" stipulated in the criminal law and explained it as follows:

"Credit card" stipulated in the criminal law refers to a credit card issued by a commercial bank or other financial institution. An electronic payment card with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

1. Legal definition of credit card cash-out crime

Relevant legal provisions: Violating national regulations, using point-of-sale terminal machines (POS machines) and other methods to make fictitious transactions, false prices, Direct cash payments to credit card holders through cash returns and other methods, if the circumstances are serious, shall be convicted and punished for the crime of illegal business in accordance with the provisions of Article 225 of the Criminal Law.

Any person who commits the acts in the preceding paragraph and the amount is more than 1 million yuan, or causes the financial institution's funds of more than 200,000 yuan to be overdue, or causes the financial institution to suffer economic losses of more than 100,000 yuan, shall be deemed to be a criminal offender. "Severe circumstances" as stipulated in Article 225; if the amount is more than 5 million yuan, or if the financial institution's funds are overdue for more than 1 million yuan, or if the financial institution's economic losses are more than 500,000 yuan, it shall be determined. It is “especially serious circumstances” as stipulated in Article 225 of the Criminal Law.

II. Components of the crime of cashing out by credit card

(1) The criminal object of cashing out by credit card

The object of the crime is protected by criminal law and violated by criminal acts socialist social relations. The act of directly paying cash to credit card holders through POS machines and other methods, fictitious transactions, false prices, cash returns, etc. is actually taking advantage of the short-term credit function of credit cards and performing financial credit in disguise through a circular cash-out model. The business violated the state's administrative licensing system for the financial industry, disrupted the country's normal financial management order, violated the security of bank credit funds, and undermined the socialist market economic order.

(2) The objective aspect of the crime of cashing out by credit card

The objective aspect of the crime is that it is stipulated in the criminal law and explains the intrusion of the behavior on the socialist social relations protected by the criminal law. The objective factual characteristics that must be possessed to establish a crime, which explain what kind of behavior and under what circumstances a certain crime has caused to the social relations protected by the criminal law.

The objective aspect of the credit card cash-out crime mainly refers to violating the relevant regulations of the bank on credit card management, using POS machines and other methods to make fictitious transactions, false prices, cash returns, etc. to credit card holders. The act of directly paying cash by a person, and the act must reach the level of "serious circumstances" stipulated in the law, that is, the cash amount reaches more than 1 million yuan, or causes the financial institution's funds of more than 200,000 yuan to be overdue, or causes the financial institution to Economic losses exceeding 100,000 yuan.

(3) Criminal subject of credit card cash-out

Criminal subject refers to the person (including natural person and unit) who commits a crime and bears criminal responsibility as stipulated in the criminal law. The subjects of credit card cash-out crimes include both natural persons and entities. The natural person here refers to a natural person who is over 16 years old and has the ability to be criminally responsible. Units refer to companies, enterprises, institutions, agencies, and groups that are established in accordance with the law and have legal business and management scope.

(4) The subjective aspect of the crime of cashing out with credit cards

The subjective aspect of the crime refers to the criminal subject’s attitude towards the harmful behavior and its harmful consequences that are necessary to establish a crime according to the criminal law. psychological attitude.

The subjective aspect of the credit card cash-out crime is intentional, and it can only be directly intentional, that is, the perpetrator knows that the card swiping and cash-out behavior he carries out will destroy the socialist market economic order, but still deliberately pursues the results of the behavior. occurs, and the crime of cashing out a credit card is a behavioral crime. The "Interpretation" does not require the perpetrator to subjectively make illegal profits to constitute a crime. purpose and motive, as long as the perpetrator has the subjective intention to carry out the arbitrage behavior.

That’s it for the introduction of credit card terms.