Brush credit cards for others.
Legal basis:
Article 196 of the Criminal Law of People's Republic of China (PRC), who engages in credit card activities under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also 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 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (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. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Steps to find someone to return the credit card
Finding someone to change a credit card is actually very simple. Most people just need to know the credit card. In this era, credit card arrears still have to be paid back. Specific steps: 1, the cardholder should find an agent or individual to pay the bill before the expiration.
2. Then, the handling fee for reimbursement agreed by both parties is generally about 65438+ 0% of the reimbursement amount.
After the handling fee is settled, the institution or individual will help you pay off your credit card bill.
4. Then brush out the same amount through the pos machine provided by the other party.
5. Finally, the cardholder pays the reimbursement fee to the reimbursement agent.
Credit cards cannot be overdue in the process of repayment, because overdue repayment will generate penalty interest. The longer the time, the more penalty interest will be generated. After overdue repayment, the bank will make a collection. The common collection method is to call the borrower until the cardholder pays off all the debts.
In fact, when the credit card can't repay on time, users can use installment repayment or minimum repayment amount, which can reduce the monthly repayment amount and avoid overdue repayment. When using installment repayment, users can choose different repayment periods according to their income, and then they can repay in advance.
In order to avoid overdue repayment after using a credit card, users must think about their repayment plan in advance and know what income they will use to repay their debts. If your income is relatively small, you should use credit cards carefully at this time. Generally, the credit card spending limit does not exceed 50% of your monthly income and can be returned on time.
Is it illegal to use credit cards instead of credit cards?
In real life, there will always be people who have difficulty in repaying their credit cards. At this time, there will be some credit card swiping services, but in fact, many people don't know that it is illegal to swipe credit cards.
How to return the credit card?
To put it simply, the intermediary or individual pays off the overdraft limit that is about to expire, and then brushes out all the repayment amount not long ago in the form of credit card consumption. The cardholder needs to bear a certain handling fee, which is agreed by both parties in advance. According to the current credit card regulations of major banks, as long as the customer repays, the credit card limit will be restored, that is, as long as the customer's card is normal, the credit card repayment process can be completed. In this way, your credit card has not only repayment records, but also consumption records, and your credit card bill will naturally be delayed to the next billing date.
Credit card repayment risk:
As can be seen from the above-mentioned operation flow of credit card repayment, this behavior of swiping in and swiping out is easily captured by the bank's risk control system, and pos machines used to repay credit cards often do this operation, which will inevitably bring trouble to the integrity of your repayment and consumption records.
Banks issue credit cards mainly to provide convenience for cardholders to overdraw, and the credit limit is also approved by banks according to the credit status of cardholders. If you can't repay after spending, in the long run, the bank is likely to reassess according to your actual situation, thus reducing your credit line to prevent unknown risks.
How does the credit card agent operate?
First, the specific operation method of credit card repayment:
1, the cardholder should find an agent or individual to pay the bill before it expires.
2. Then, the handling fee for reimbursement agreed by both parties is generally about 65438+ 0% of the reimbursement amount.
After the handling fee is settled, the institution or individual will help you pay off your credit card bill.
4. Then brush out the same amount through the pos machine provided by the other party.
5. Finally, the cardholder pays the reimbursement fee to the reimbursement agent.
Credit card agency still has certain risks, so you must find a formal agency to avoid being defrauded of personal information and property.
2. What platforms can pay back credit cards?
1. Pay back the credit card through JD.COM Gold Bar.
Everyone is familiar with JD.COM gold bars. As long as the user's credit score reaches the standard and meets the conditions, he can get a certain amount, and then apply for a loan within the amount, and he can directly enter the credit card. During the activity, the interest is 0.45% per day.
2. Borrow a credit card and pay it back.
There is a debit card in Alipay. Users with sesame scores above 650 have the opportunity to get a quota, apply for a loan in a debit card to repay the credit card, and then pay back the money to the debit card. The daily interest rate is 0.4%, which is lower than that of banks.
3. Pay back the credit card by paying it back.
Repayment is a repayment product of Shanghai Shuhe Technology, which can help users repay their credit cards in installments at low interest rates, and users can repay them again, with the repayment interest being 50% of the lowest repayment rate of credit cards.
4. Save money and pay back the credit card.
There is a loan from Harbin Bank in the province. There are 3, 6 and 12 loan terms to choose from, and the handling fee is about 30% of the bank's.
Credit card institutions still have fees and interest, so you can try not to pay them back. Be sure to pay attention to whether the institutions are reliable and prevent being cheated.
Third, credit card repayment refers to the cardholder's credit card to the final repayment date, the cardholder can not fully repay, and do not want to pay high interest to the bank, in order to maintain a good credit card repayment record, entrust others to repay the credit card bill. After that, the cardholder will brush out the repayment amount and return the funds to the repayment person in the form of credit card consumption. In fact, for banks, credit card issuance is still an illegal operation. Because it may involve cashing in when repaying the agent later. In addition, credit card substitution will only increase the repayment pressure for people with poor self-control.
So much for the introduction of how to recharge credit cards.