What would you do when your boyfriend maxed out your credit card?
Recently, I heard an incredible thing. A good friend's credit cards were maxed out by her boyfriend, and then his investment failed, so she had to borrow money everywhere to return the credit cards. My first reaction when I heard this was that love rat swiped his girlfriend's credit card these days. This girl is also stupid. Is she carried away by love or has no sense of risk?
When I shared this with a lawyer classmate, he repeatedly warned me not to lend my credit card to anyone, including my boyfriend. Let me also persuade that friend to ask her boyfriend to write an IOU as soon as possible, so as to prevent the relationship from turning sour and disowning people in the future. That huge debt can only be borne by the credit card holder. With IOUs, you can at least go through legal procedures and recover the arrears.
The original reason of the story is this. When my friend L first fell in love with her boyfriend, you were very sweet. Later, when we talked about marriage, because of the money problem, we began to argue and misunderstand. Because the man's family conditions are general, it may take some time to buy a house and a car. Because the woman is several years older than the man, she is more urgent to get married. However, the man was in a state of no hurry, and the contradiction began to lay the groundwork.
One year and two years have passed, and the days are still calm. For a girl, in a sense, she can't afford to wait. She can only say to the boy, let's break up! The man also began to worry. In order to make money, he began to ask his friends how to invest, and he was busy learning how to make money all day. As a result, I made a few small profits in the middle, but the investment itself is risky. Until one time, the boy couldn't pay back his credit card and turned to L. She couldn't watch him pay back his credit card and his credit was damaged. Later, she gave him a credit card, one for two and three for three?
Next comes the snowballing interest and amount. Finally, the two of them wept bitterly over these hundreds of thousands of debts, regretting or being ignorant. As things have come to this stage, it is useless to complain and regret. What needs to be solved urgently now is how to pay back the money.
When I told her to ask her boyfriend to write an IOU, she was still sorry and something. I could only tell her cruelly that if your boyfriend turned his back on you, the debt would only be borne by you. How long would it take you to earn thousands of dollars a month? After some thinking and psychological struggle, she finally let her boyfriend write an IOU, and my hanging heart finally settled down.
In real life, too many girls are particularly easy to lose themselves in love. After entering a relationship, they are willing to go through fire and water, and it is easy to give everything for each other. As for the man, it cannot be said that all men are like this, but they always make the best choice after weighing the pros and cons. Even after breaking up, I will continue to look for the one that suits me best.
So, dear girls, be an independent person. If you want to live the life you want, work hard towards this goal! Don't expect to rely on anyone, and don't let your boyfriend swipe your credit card. If things have to be swiped, please remember:
1. It's better to let the other party write an IOU, not just write it casually. For this legally recognized IOU, write clearly the ID numbers, credit, repayment date, installment interest, debt and repayment date of both parties. It's best to find someone who both sides know to guarantee, and sign and press the handprint.
2. Chatting on WeChat QQ or other social software reveals the loan information, such as when can you pay back the money? How much you owe me now, how much interest is it, and so on. You can take screenshots and save them. Can be used as evidence in the future.
3. Find someone who is known by both parties, preferably a respected person, explain the situation to him and be a guarantor or something.
4. You should still get along well in your daily life, have your own work and circle of friends, and have an independent personality and economic ability.
Many friends around me told me not to be so pessimistic. There are many good men. Don't be unhappy because of money, but don't overestimate human nature. No one can guarantee that he can always stick to the moral bottom line when he is embarrassed. Even if that person is your boyfriend, he may disappear into your life tomorrow. At that time, tears or regret will not solve the problem.
isn't it a crime to ask me to swipe my credit card voluntarily?
swiping your girlfriend's credit card and not returning it is a civil matter, and it is impossible to be suspected of committing a crime.
cardholders need to make consumer repayment under the relevant rules and regulations of credit cards, so that they can be bound and supervised by relevant laws, and at the same time, personal credit files are established with personal credit big data.
General arrears will not bear criminal responsibility. Why will you be sentenced if you don't pay back your overdraft credit card? One of the charges involved here is the crime of credit card, that is, the act of maliciously overdrawing a credit card for credit card activities with a large amount. Malicious overdraft is an act of overdraft exceeding the prescribed limit or time limit for the purpose of illegal possession, and still not returning it after being collected by the issuing bank. Therefore, it is a crime to overdraw a credit card beyond a certain limit and not pay it back within the specified time, even after being collected by the bank.
Extended information
Article 196 of the Criminal Law stipulates that those who maliciously overdraw credit cards and engage in credit card activities with a relatively large amount shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan. From this point of view, it constitutes a credit card crime, and the overdraft credit card amount must at least reach "a large amount".
The amount of malicious overdraft is relatively large. According to Article 6 of the Interpretation of the Supreme People and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, the amount should be between 1, yuan and 1, yuan. Therefore, if you maliciously overdraw your credit card for more than 1, yuan, you can not be investigated for criminal responsibility if it is overdue.