Legal analysis: not illegal. The essence of credit card repayment is like credit card cashing. Because credit card repayment now belongs to this gray area, laws and regulations do not clearly stipulate that it is illegal. Although credit card repayment has solved the urgent needs of credit card users, it also has certain risks. After the credit card repayment agency repays the loan on its behalf, it requires the customer to repay the loan in cash when swiping the card. Of course, customers with risk-taking ability can still repay in time, but users with poor risk-taking ability should use credit card repayment service carefully to prevent inconvenience to themselves. Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. Whoever borrows a large amount from a bank or other financial institution for the purpose of illegal possession 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, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) Loans in other ways.
Second, is it reliable to go back to the company?
Not reliable, personal advice is still on your own. Unless it is particularly large, formal and professional.
3. Is it illegal for individuals to collect loans for banks?
be illegal
4. Is it illegal to sign bank loans?
Legal analysis: 1. The signature of the obligee is a legal act. This phenomenon is very common in real life. Some are trivial matters of life, others are important economic activities and important matters, and the client authorizes others to sign them. For example, it is normal for customers to give their ID cards and power of attorney to customers to pick up express mail or even sign contracts. 2. If there is no entrustment or authorization from the client, do it for him privately. Seriously, you should bear criminal responsibility. For example, if a national civil servant fails to sign an important request for instructions and has the right to handle it, causing heavy economic losses or casualties, he will bear criminal responsibility.
Legal basis: "People's Republic of China (PRC) party defrauds the other party's property for the purpose of illegal possession, and if the amount is large, it shall be sentenced to fixed-term imprisonment of not more than three years or a single fine; If the amount is huge or there are other serious circumstances, it shall be fined for more than three years; (1) Signing a contract in the name of a fictitious unit or others; (2) Mortgaging with forged, altered or invalid bills or other false property rights certificates; (three) to perform a small contract or part of the contract first, to deceive the other party to continue to sign and perform the contract, and to have no actual performance ability; (4) After receiving the payment for goods, advance payment or secured property paid by the other party; (5) defrauding the other party's property by other means.