Accept the punishment of the law

Using credit cards to commit crimes not only infringes on the legitimate interests of personal property, but also undermines the national economic order and infringes on the legitimate interests of the country and society, which is related to preventing financial risks. According to the requirements of comprehensively promoting the rule of law and building a socialist country ruled by law in the new period, it is of great significance to study the most frequent credit card crimes.

Judicial application of picking up other people's credit cards. Judicial application of defrauding others' credit cards and using them. Judicial application of the crime of malicious overdraft of credit cards.

What if the credit card information does not match?

Take CITIC Bank as an example. If the information displayed by the customer when activating the credit card of CITIC Bank is inconsistent, it is probably because the information entered by the customer is inconsistent with the information displayed on the materials submitted when applying for the credit card.

Customers are advised to check the information and submit it after confirmation.

It is particularly important to note that the phone number you fill in must be the mobile phone number reserved when you apply for a card, and this number is not necessarily the number that customers usually use. Also, if the customer's basic information has changed, you should also explain to CITIC Bank and update the information in time.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

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.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

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.

What should I do if I send a message that the credit card has false transaction characteristics?

First of all, you should confirm the authenticity of the message. Secondly, check your credit card operation records to see if there are frequent consumption behaviors. You can also call the credit card customer service phone directly for consultation.

If it is normal behavior or caused by other reasons, ask the staff what the solution is.

False credit card transaction is the behavior that the cardholder does not withdraw cash through normal legal procedures (ATM or counter), but lists the cash within the credit card limit by other means, but does not withdraw the handling fee from the bank. If false transactions are found through cash withdrawal, the bank's risk control system will control, reduce the amount or seal the card according to the seriousness of the case, and may even pursue criminal responsibility. After all, cash withdrawal is an act that disrupts the financial market and poses great risks to the normal operation of banks and financial markets.

False credit card transactions are illegal cashing, and if they are found by banks, they will be banned, and those involving a large amount will be investigated for criminal responsibility. If the cash amount is more than 5 million, resulting in a loss of more than 500,000 for the lending institution, or overdue for more than 6,543,800+0,000, the penalty will be more than 5 years.

In fact, the essence of credit card is overdraft consumption, and it is impossible to withdraw cash. However, many cardholders and merchants cash in their credit cards through false transactions, such as swiping cards on POS machines with credit cards, and then asking merchants to transfer money to their bank cards, so that they can enjoy the interest-free period and meet the capital needs. There is also the practice of buying goods online and paying by credit card, and then asking merchants to transfer the money to themselves. Such behaviors are all false transactions, and to put it bluntly, they are cash.

Is it illegal to make false credit card transactions? False transactions of credit cards are illegal and easily detected by banks. Once it is detected by the bank, the bank will immediately control the risks, from reducing the amount to sealing the card, and more seriously, it will be investigated for criminal responsibility. This is not an alarmist. After all, cashing out is an act of disrupting the order of the financial market, and there are great risks.

Illegal use of credit cards. Credit cards are issued to allow cardholders to spend normally, not to make false transactions to get cash. Therefore, once the bank finds that the credit card transaction is abnormal, it can send a short message to remind it to standardize the use of the card at the first time, and it can seal the card for those who refuse to change.

So much for the introduction of how to make false information about credit cards.