Friends who hold more than one credit card will always encounter the situation that the credit card is not returned, which provides space for the development of credit card repayment business. Nowadays, many people are using credit cards to pay back their business, and there are many ways. So, how does the credit card agent operate? Specific operation methods of credit card repayment:
If the cardholder wants to return the credit card, he should find a good intermediary or individual before the credit card repayment date. Then the two sides negotiate the handling fee for reimbursement, and then the reimbursement agency or individual will help you pay off the credit card bill. Finally, the same amount is swiped through the pos machine provided by the other party, and finally the cardholder pays the reimbursement fee to the reimbursement person.
At present, there are three most common credit card repayment methods. One is offline credit card repayment, mainly through the credit card repayment of institutions or individuals; The second is the credit card repayment app, which mainly binds its own two cards according to the operation; The third is to use the loan repayment APP, which is what we often call the relatively hot credit card compensation business. Generally speaking, credit card agency still has certain risks, so we must find a formal agency to avoid being defrauded of personal information and property.
Are those companies that handle credit cards for others true or false? Is it credible?
The intermediary card company is not a liar, it is true, but it is not recognized by the bank. They not only have to spend a certain amount of money, but also bear the risk of personal information disclosure. There may be a bank asking you for money, but you didn't apply for a bank credit card, that is, the intermediary company used your information to apply for a card for others. In addition, if the bank knows that you apply for the card through this intermediary company, it will not pass the examination and approval, and the information provided by the intermediary company will have a lot of water; You are advised not to apply for a credit card through this company.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
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.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Is it illegal for intermediary companies to handle credit cards?
Illegal. Intermediaries run credit cards, often to package customers and apply with false information. This kind of behavior of the intermediary is illegal, which seriously hinders the management of bank credit cards. So once the bank finds out, it is likely to be sentenced to jail.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 961 An intermediary contract is a contract in which the intermediary reports to the client the opportunity to conclude a contract or provides media services for concluding a contract, and the client pays the remuneration.
Article 962 The broker shall truthfully report to the client the matters related to the conclusion of the contract. If the broker intentionally conceals important facts related to the conclusion of the contract or provides false information, which harms the interests of the client, he shall not ask for payment of remuneration and shall be liable for compensation.
So much for the introduction of credit card agents.