With the popularity of credit cards, more and more cardholders are using credit cards for overdraft consumption. Due to excessive consumption, a business called card maintenance has become increasingly popular. Experts said that by directly providing card maintenance services to credit card holders in the form of false transactions, personal economic risks have risen to legal risks.

It is understood that most of the people who keep credit cards now are young people, including college students and white-collar workers. Most of them choose to keep credit cards due to excessive consumption and no money to repay. How many cardholders are there with bad credit? No one can tell for sure. However, including people from underground card raising companies, they all believe that these people who need to cash out and raise cards have been recruited by various banks in the past few years, and most of them do not have normal repayment ability or It is said that the credit limit granted by the bank far exceeds their actual credit standing.

Investors in the banking industry pointed out that on the surface, the cardholder paid a handling fee and made on-time repayment, but the cardholder also needs to prepare for the next repayment. At the same time, once you have tasted the sweetness and then maintain the card for a long time to repay, it will easily encourage irrational overdraft consumption by individuals, and ultimately cause the total amount of arrears to grow like a snowball. It is unwise for cardholders to turn to credit card companies for help because they are unable to repay. The ultimate victim is the cardholder himself.

A bank staff member said that various banks are now competing for credit card customers. In order to expand the market, the review of some customers is not strict, which provides opportunities for credit card maintenance, cash out and even criminal activities. An opportunity to take advantage of. The police believe that keeping cards is an illegal activity and may even constitute a crime.

However, the person in charge of the credit card center of a commercial bank said with some helplessness that UnionPay, banks, etc. can punish merchants for violations such as card maintenance. However, there are certain difficulties in the specific implementation, because it is difficult for UnionPay and banks to confirm whether the consumption behavior is fictitious, and it is difficult to collect information. Generally, it can only be determined by telephone verification or user reports.

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