Legal analysis: 1. Those so-called guarantee companies or intermediaries on the Internet that can apply for high-value credit cards with just an ID card and a small intermediary fee are basically scammers. There are really too many. Many people have been deceived!

2. All banks have not entrusted so-called intermediaries to apply for credit cards. If you do not meet the conditions for applying for a credit card, do not expect these intermediaries to provide you with false certification materials. Go to Apply for a large credit card. Once the bank discovers that there is false information during the credit card application process, it will not only freeze your credit card immediately, but also affect your credit record. And according to Article 196 of the Criminal Law, anyone who uses false materials to defraud a credit card is credit card fraud and is an illegal act!

3. There are also some intermediaries who take advantage of the rules to obtain credit cards in a short period of time. It is also illegal to increase your credit card limit within a certain period of time.

Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Whoever commits credit card fraud in any of the following circumstances and the amount is relatively large shall be sentenced to fixed-term imprisonment of not more than five years or Criminal detention and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge Or if there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Using a counterfeit credit card, or Using a credit card fraudulently obtained with false identification;

(2) Using an expired credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.