It is said that someone filled in the phone number when applying, and the company has been receiving calls from the bank since it owed money.
1, as long as the bank owes money, it may be++,which is decided by the bank itself;
2. If the amount owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in criminal law and suspected of credit card++crime;
3. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
4. Legal basis: Article 196 of the Criminal Law has one of the following circumstances, which constitutes the crime of credit card++. If the amount involved is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 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:
(1) Using a forged credit card;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Interpretation of the Supreme People++the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.
In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:
(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;
(two) squandering overdraft funds, unable to return;
(3) Escaping after overdraft, changing contact information and avoiding bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(five) the use of overdraft funds for illegal and criminal activities;
(six) other acts of illegal possession of funds and refusal to return them.
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.
The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank.
Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files the case and before the people's++judgment is announced, the punishment may be lighter, and if the circumstances are minor, the punishment may be exempted. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
Recently, I opened a platinum card of ICBC credit card constellation, but the amount is only 5000. Isn't it a little too funny?
This is normal. After all, if you have never used any bank card or credit card of ICBC before, why should others trust you? Moreover, the amount of this credit card is accumulated bit by bit, which does not mean that he will give you hundreds of thousands as soon as you open it. So, if you run away, who are they looking for? Therefore, this situation is not surprising. It can only be said that you use its credit card more times, or some prescribed services, so your quota will continue to rise.
Credit card slang: What do you mean by "moving bricks", "wool" and "leg hair"?
Like "Zongzi" and "Ghost Blowing Lights" in the notes of grave robbery, the credit card industry also has its own slang. In this issue, Mr Aika will share these slang words with you.
Basic common words
brick
"Brick" refers to 10000 RMB, and "moving bricks" refers to saving money in the bank to get the opportunity to obtain advanced debit or credit cards. For example, the sunflower card of China Merchants Bank needs to move 50 bricks, which is 500,000 RMB.
The word "brick" comes from the appearance of 1 10,000 yuan, which looks like a red brick.
wool
Credit card/bank card points or activities can gain benefits/rights, namely "bonus hunter", that is, points are gained or benefits/rights are used through activities, such as three-time pick-up and drop-off of Pudong AE, 9-point rights of CITIC, etc. , can be called "wool".
Wool comes from sheep. "bonus hunter" usually takes time or money, sometimes it is free, and sometimes it is "cheated", which means that the time/money cost is greater than the wool itself.
At present, the concept of "wool" is not limited to banks, but has been extended to hotels and airlines, including "small wool" and "big wool".
longan
At first, it refers to a beautiful female bank teller, and later it refers to a teller.
protection money
Staging fees or fees paid by cardholders for issuing cards and withdrawing cash.
little dark room
The first generation refers to the VIP room of China Merchants Bank. Later, it generally refers to being blacklisted by the bank because of cardholder violations and refunds. For example, the little black house of China Merchants Bank (temporary quota cannot be mentioned) and the little black house of Shanghai Pudong Development Bank (red envelope single digit) are divided into short-term and long-term.
One by one
As the name implies, you can apply for another bank card through the bank card you already have. If you hold PUFA Super White, it can be used as one of the application materials when applying for AE White/Private Bank of China Merchants Bank. Similarly, there is the word "matching" of hotel membership card. Holding SPG gold card can be matched with Wanhao gold. Unlike bank cards, this "matching" is carried out among different hotel members of the same company.
Leg hair card
Cards that "run errands" on ATM machines and then repay for credit card points, such as China Merchants Bank's "leg hair card", are free to withdraw cash for the first time every month-Young card, GQ co-branded card, Weibo Daren card, etc., and a single card can get 100 points for every 2,000 yuan spent.
China Merchants Bank's "leg hair card" has become a swan song since May this year.
bank
Xiao Zhao-China Merchants Bank
The homonym of "Zhao" is sometimes spoofed as "bad behavior".
Malaysia Bank-Industrial and Commercial Bank of China
It is said that tellers in other banks are mostly young women, and ICBC takes the Lufthansa route. Older women are mostly tellers and are ridiculed as "bank aunts". Some card friends also call ICBC "Universal Bank". This statement is because ICBC used to have the highest market value among many banks, so it was nicknamed "Cosmic Bank". Mr Aika prefers "Aunt Bank", which looks very kind.
Abandoned Bank-Guangfa Bank
I have to admire the whimsy of the card friends, combining "width" and "hair" into one, and the "waste" line comes from this.
Mr. Aika thinks that the statement of "scrapping the bank" reflects more that the credit card of Guangfa Bank is not cost-effective, but recently Guangfa Bank has made great efforts to become a wool potential stock.
Hou Zihang-Shanghai Pudong Development Bank
Card issuance is irregular, such as AE white, some card friends apply for seconds, some card friends move bricks more than n, and other high-end card blessings are rejected by seconds, so card friends call it "monkey" or "monkey line";
Some card friends said that the law popularization was named after a "Great Sage" event, and Mr. Aika preferred the former statement.
Bank of China
Credit card quota is completely based on deposits, so it is gradually called "brick line" by everyone.
Card organization
International credit card organizations, bank card transfer clearing institutions, and bank card clearing business refer to capital settlement between a number of banks or institutions (non-financial payment institutions) licensed to engage in financial business when bank cards are traded across banks, and assist in the transfer of funds.
At present, there are six major card organizations:
VISAInternational, abbreviated as v.
MasterCardInternational, abbreviated as m.
AmericaExpress, abbreviated as AE.
China UnionPay Co., Ltd. has no English abbreviation. . .
Diners club
Japan International Credit Card Company
other
There are some such as LLJ, TD, TX, saute spicy chicken, chicken and so on, which are not mentioned here, so you can understand.
Well, this issue of the "black letter" guide for novice credit cards ends here, hoping to let more novice cardholders get started quickly.
The credit card invited by the customer service of China Bank actually gave me a credit line in 0 yuan, and the customer service even dared to say please use it as a debit card. Is this funny?
Bank of China will increase the fixed amount for you from time to time according to your consumption and repayment; You can also apply for temporary quota adjustment through official account of China Bank Credit Card WeChat, Colorful Life APP, online banking, mobile banking and customer service hotline, and BOC will apply for it for you according to your card usage.
The temporary increase time generally does not exceed 60 days. During the temporary increase period, you can apply for extending the expiration time, or you can apply again after the temporary quota expires.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.
About consuming a song related to income or adapting the lyrics of a song, but the lyrics must be related to consumption income. Is to be able to sing and perform on stage.
Song: Ten years of spoofing "Credit Card" adaptation: crazy hermit (nothing to do with me, if there are similarities, it is purely coincidental)
If you work overtime, you are not tired.
Won't find me uncomfortable.
How to pick up girls? Just a credit card.
If there is no requirement for salary
Moonlight clan is like common sense.
Thousands of expenses
Someone needs to pay the bill.
Because credit can't be overdrawn
Why don't you swipe your card?
Spend while making money.
Before consumption
I still have you. You belong to me.
You still flow into the pockets of strangers.
Touch the wallet that is gradually emptying.
After consumption
The limit has been overdrawn and you can still earn.
It's that kind of hard work
I can't find any reason to work anymore.
Big money will inevitably become poor in the end.
Until I worked hard for you for many years
Understand my tears.
Not just for you.
Flow for yourself.
Intermediary, who will help me get a large credit card? He has my information. Will he steal my credit card and spoof my information?
Here, I need to remind you that it is safe and reliable to apply for a card through formal channels. Don't trust those who handle cards through informal channels. Most of them are lies. At that time, not only can you not get a card, but you will also lose money and personal information will be leaked, which will not be worth the candle.
So much for the introduction of fraudulent credit cards.
Heshun Overseas Chinese Township Baoshan 40 yuan
Ruili Taobao Valley Baoshan 50 yuan
One Tree F