The specific information is that lending credit cards will bring harm: affecting personal credit information, judicial disputes, overdue huge handling fees, affecting cardholders' loans, and being unable to repay due to excessive consumption.

1. China Banking and Insurance Regulatory Commission suggested to guard against the risk of lending credit cards, which would affect personal credit loans.

First of all, China Banking and Insurance Regulatory Commission updated the official news and sent a long article to remind netizens that they need to guard against the risk of lending credit cards. Nowadays, everyone has a credit card, and everyone likes to use credit cards. If a friend is in a hurry to use money, the cardholder will relent and give his credit card to his friend. If the friend returns it on time, nothing will happen. If the friend refuses to admit it, and the two sides have no IOUs, then the cardholder will either return the credit card himself or sue the friend. This is a judicial dispute about lending the credit card in China Banking and Insurance Regulatory Commission.

Besides, if a friend doesn't return it and he doesn't have the money to return the credit card, it will be overdue. There is a handling fee for overdue credit cards, and the handling fee is very expensive. In addition, the overdue credit card is a credit report at the meeting. Even if you pay off your credit card in the future, the overdue record still exists. In case you want to borrow money to buy a house, it is impossible to get a loan because this one is overdue.

2. Lending a credit card will also bring legal risks.

although our credit card is lent to a friend, if a friend does something illegal and uses your credit card, the police will lock you in and look for you. Because we have to understand that the law clearly stipulates that credit cards cannot be cashed out illegally, money laundering and other illegal acts, otherwise cardholders need to bear corresponding legal responsibilities.

To put it simply, when using credit cards, we should abide by laws and regulations, use credit cards ourselves, don't lend them to others, and don't tell others the account password, so as to avoid the loss of money caused by the theft of our credit cards.

3. make a summary.

I hope that all netizens will read the latest dynamic articles of China Banking and Insurance Regulatory Commission, read more and learn more, and avoid being stuck in a routine. If you encounter anything wrong, please seek the help of the police at the first time.