How to withdraw money when you find a bank card and how to find a credit card?
If you find a debit card, you can't use it because there is a password. Debit cards in China must have a password. Unlike credit cards, you can spend without a password.
If a credit card is found: the householder does not have a transaction password, so he can't withdraw cash at the ATM, but he can use it to swipe his card at the POS machine, but he can use the information on the card to directly spend online on some foreign websites; The householder has set a transaction password, and it is not allowed to withdraw cash at ATM or swipe the card at POS. The information on the card can also be directly consumed online on some foreign websites.
However, it is illegal to fraudulently use other people's credit cards, which is a deliberate misappropriation of other people's property, and may also be suspected of stealing other people's property and other illegal acts.
What are the banking hours?
The business hours of different banks are different, but in general, they all go to work from 9 am to 5 pm. On weekends, I will get off work earlier than usual and around 3 pm. The above is only for non-holidays and weekends, and banks are closed on holidays.
Is the reissued bank card still the original one?
The reissued bank card can be the original one. There are two ways to reissue a bank card, one is to reissue it with the insurance number, and the other is to reissue it with a new number. You can explain the need to the bank when you reissue the card. If the bank card is lost, it is recommended not to use the original number to avoid security risks. If the user loses his bank card, he should first call the bank customer service phone to report the loss orally. If the bank card is damaged, you can apply for a new card at the bank counter with your ID card and the damaged bank card, and you need to pay the card cost.
What procedures do I need to reissue my bank card?
Generally, you only need to bring your valid personal identification to the counter of the issuing bank to apply for a replacement card. If you can't provide the bank card password for the replacement card, you need to report the loss first, and then go to the branch counter for a replacement card one week later. The new card reissued after reporting the loss is different from the old card, but the account information is the same. Under normal circumstances, you can only change your bank card in person at a bank outlet, and you can't entrust others to do it for you. In addition, replacing the card and reporting the loss may generate certain costs and business expenses.
If someone loses my credit card, can I use it?
1, according to usage:
If you lose your credit card, but set a password, others don't know the password, and even if you find it, you can't swipe it.
But there are two situations that can also be brushed. For example, with the loss of your credit card, your ID card and your mobile phone, others will probably use your mobile phone to call the card issuer to modify the credit card password, and you can swipe your card after the modification is successful; In addition, if the credit card has no password, it can be swiped by others after being discovered.
2, from the legal point of view:
If someone finds your credit card and swipes it, then this behavior is stealing it. Stealing credit cards is an act, and it is convicted and dealt with according to Article 264 of the Criminal Law.
Credit card advantage
Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.
You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).
It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.
Special merchants who hold cards in banks can enjoy preferential treatment.
Accumulate personal credit, add credit records to credit files, and benefit for life.
Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )
Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; (Most credit cards have no points for online payment, but online payment is very convenient and fast. )
Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )
Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.
The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB.
400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss.
Validity period: It is known that the validity period of domestic credit cards is generally three to five years.
Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.
Disadvantages of credit cards
The invention of credit card is like a double-edged sword, which can solve the temporary economic crisis. However, the purpose of issuing credit cards is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.
Blind consumption of credit cards is not like paying cash in a lump sum. I don't feel anything when I brush. A few figures lead to blind consumption and spending money like water.
Excessive consumption of notebooks, digital cameras and smart phones, while enjoying your favorite items in advance, you should also consider whether you can repay them.
High interest If you can't get a credit card and can't repay on time when the final repayment date comes, the bank will charge you high interest. (The minimum repayment amount of a credit card in the first month shall not be less than 10% of the overdraft amount in the current month)
Credit cards that need to pay an annual fee basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; But if you don't swipe your card to the bank the specified number of times within a year, you need to charge an annual fee.
Stealing a credit card is basically a default credit card consumption without password, which is easy to be stolen by others when it is lost or stolen, causing unnecessary trouble or loss; But in fact, credit cards can also be charged by passwords-it depends on how you manage your credit cards. Of course, many people have not cancelled their credit cards because of their lack of experience in this field, and some lawless elements have reapplied for credit card overdraft, which is not worth it.
Long-term malicious arrears that affect personal credit records will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.
CCTV reported that a cardholder received a bank bill several months after paying off all debts and canceling his credit card, and what happened afterwards made him miserable. This article named "Unknown Credit Card" exposes the disadvantages of current credit cards.
Although credit cards have an interest-free period, they are only for credit card consumption. There is no interest-free period for cashing, and a handling fee is charged.
Can anyone use a credit card when they find it? The consequences of trying the law are very serious!
There are often card friends who lose their credit cards due to negligence in the process of using them, fearing that they will be found by others and swipe their cards, which will bring losses to themselves. In fact, has anyone found that my credit card can be swiped? Mainly can be analyzed from two aspects. Let's introduce it to everyone.
Can anyone use a credit card when they find it?
1, according to usage:
If you lose your credit card, but set a password, others don't know the password, and even if you find it, you can't swipe it.
But there are two situations that can also be brushed. For example, with the loss of your credit card, your ID card and your mobile phone, others are likely to use your mobile phone to call the card issuer to modify the credit card password, and you can swipe your card after the modification is successful; In addition, if the credit card has no password, it can be swiped by others after being discovered.
2, from the legal point of view:
If someone finds your credit card and swipes it, then this behavior is stealing it. Stealing credit cards is an act, and it is convicted and dealt with according to Article 264 of the Criminal Law.
Article 264 of China's Criminal Law stipulates that public and private property with a value of more than 1,000 yuan and less than 3,000 yuan, more than 30,000 yuan and less than 100,000 yuan, or more than 300,000 yuan and less than 500,000 yuan shall be convicted according to "relatively large amount", "huge amount" and "especially huge amount" respectively.
The above is "Can others swipe their credit cards?" In short, even if you can swipe someone else's credit card, don't try it easily. After all, swiping other people's credit cards belongs to stealing credit cards and will be investigated for criminal responsibility. Do not try your best.
How to find a credit card? Be careful not to bear the consequences.
People often pick up other people's credit cards on the road, and many of them are accidentally dropped by others. Some people may just want to use the credit card they found and ask how to swipe it. In fact, whether they can swipe their cards or not, don't worry, otherwise the consequences will be very serious.
How to find a credit card?
If the credit card is not activated, you can't swipe it. If activated, you can flash your credit card. Otherwise, if the credit card has a password, you can't swipe the card without knowing the cardholder's information. Flash payment card can be swiped without password. As for how to swipe your card, I won't tell you.
Anyway, one thing is, if you find someone else's card, don't touch it, even if you can swipe it. Otherwise, if you swipe your card successfully, it will be stolen. Don't take any chances, thinking that you can swipe your card unnoticed. There is no such thing. The bank can check your credit card track, and the cardholder will report the loss when he finds that his credit card has been stolen.
Once found, criminal responsibility will be investigated according to the crime. Article 264 of China's Criminal Law stipulates that public and private property with a value of more than 1,000 yuan and less than 3,000 yuan, more than 30,000 yuan and less than 100,000 yuan, or more than 300,000 yuan and less than 500,000 yuan shall be convicted according to "relatively large amount", "huge amount" and "especially huge amount" respectively.
In other words, if you see a credit card on the road, you will never pick it up to avoid getting into trouble. After all, someone else may have stolen this card and thrown it away. In order not to pick it up, you'd better pretend you didn't see anything. Don't worry about losing your credit card, others will be anxious. When a credit card is lost, it can be reported by a phone call, and the bank will temporarily freeze the credit card, so others can't swipe it.
This is the end of the introduction on how to use credit cards safely and what the crime of using credit cards is. I wonder if you have found the information you need?