1. What should I do if the mental patient's credit card is not returned?
The guardian shall fulfill the obligation of repayment. If a person without or with limited capacity for civil conduct causes damage to others, the guardian shall bear civil liability. That is to say, even if the cardholder does suffer from mental illness, if the cardholder has a relevant guardian, the bank can ask the cardholder's guardian to repay it on his behalf within the scope of property management by bringing a lawsuit to the court. Of course, if the amount of credit card owed by the cardholder to the bank exceeds the property managed by the guardian, the guardian may refuse to repay the debt other than the managed property.
2. What are the credit card frauds when the credit card is overdue?
1, using a forged credit card
The so-called forged credit card refers to the credit card made by imitating the texture, pattern, block, pattern and magnetic stripe password of the credit card. The so-called use refers to the act of using forged credit cards to defraud other people's property for the purpose of illegally possessing other people's property. Including buying goods with forged credit cards, withdrawing cash and accepting various services with forged credit cards.
2. Use an invalid credit card
Credit cards abolished for the crime of illegal fund-raising refer to invalid credit cards, invalid credit cards, credit cards declared invalid in accordance with laws and relevant regulations, credit cards that the cardholder stops using and returns the crime of illegal fund-raising to the issuing bank within the validity period of the credit card, and credit cards that are invalid due to loss reporting. In addition, using invalid credit cards also includes using altered cards. The so-called altered card refers to an invalid credit card whose card number has been altered. These credit cards themselves were listed on the stop payment list because of the loss report or cancellation of illegal fund-raising, but after a certain number on the card was flattened, another new number was pressed to avoid blacklist search. Therefore, the altered card is also a fake card.
3. Fraudulent use of other people's credit cards
Fraudulent use refers to the behavior that a non-cardholder uses the cardholder's credit card to defraud property in the name of the cardholder. According to our country
It is believed that the crime of illegal fund-raising is related to the crime of credit card fraud Credit cards are only used by legitimate cardholders and may not be lent or transferred. This is also a principle that all countries generally follow. However, if the credit card and the ID card are put together and lost for the crime of illegal fund-raising, it may give the pickpocket or thief an opportunity to make fraudulent use. After obtaining someone else's credit card, these unscrupulous pickpockets or thieves may take advantage of the time difference before the cardholder discovers the loss, or use the stop payment management to impersonate the cardholder for the crime of illegal fund-raising, imitate the cardholder's signature, and go shopping at credit card merchants or banks to withdraw money or enjoy services. The above are several common cases of fraudulent use of other people's credit cards.
4. Malicious overdraft
Overdraft refers to the act of allowing customers to withdraw money beyond the amount of funds in their accounts with the approval of the bank when there is no funds or insufficient funds in the accounts.
Under normal circumstances, the overdue credit card is only a general civil dispute case and will not involve criminal disputes. However, if the cardholder has the purpose of illegal possession of malicious overdraft when using the credit card, and the amount of malicious overdraft is large, it can be considered as a criminal case. If a mentally ill person commits a criminal case, he will generally be judged not to be criminally responsible.