Returning the credit card to others does not constitute a crime, but is a legal civil compensation act. There are two kinds of credit card crimes in China: credit card crimes and credit card management crimes. One of the following circumstances constitutes a credit card crime: 1, using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate; 2. Use an invalid credit card; 3. Fraudulent use of other people's credit cards; 4. Malicious overdraft. In any of the following circumstances, it constitutes the crime of obstructing credit card management: 1, holding and transporting knowingly a forged credit card, or holding and transporting knowingly a forged blank credit card, with a large number; 2. Illegally holding a large number of other people's credit cards; 3. Use false identification to defraud credit cards; 4. Selling, buying or providing others with forged credit cards or obtaining credit cards by fraudulent means.

legal ground

Article 177-1 of the Criminal Law of People's Republic of China (PRC), the crime of obstructing credit card management belongs to one of the following circumstances. Whoever obstructs the management of credit cards shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or solely be fined not less than 10,000 yuan but not more than 100,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan: (1) Holding and transporting a forged credit card knowingly, or holding and transporting a forged blank credit card knowingly, with a relatively large amount; (2) Illegally holding other people's credit cards, with a relatively large number; (3) using false identification to defraud credit cards; (4) Selling, purchasing or providing others with forged credit cards or obtaining credit cards by fraudulent means. Crime of stealing, buying or illegally providing credit card information Whoever steals, buys or illegally provides credit card information of others shall be punished in accordance with the provisions of the preceding paragraph. Any employee of a bank or other financial institution who takes advantage of his position to commit the crime mentioned in the second paragraph shall be given a heavier punishment.

How to help others return their credit cards?

There are many ways to help others pay back their credit cards. Let's take WeChat as an example:

I. Operating steps of repayment on behalf of WeChat

1. First open the mobile phone WeChat, click "I" and enter "My Wallet";

2. On the "My Wallet" page, select "Credit Card Repayment". If it is the first time to use it, you must first add a credit card for repayment, enter your name and add it.

3. Fill in the credit line you want to repay and the name of the cardholder. After adding the credit card successfully, enter the amount to be repaid and the payment password.

Tip: You can choose to pay by change or bank card.

Two. Matters needing attention for repayment on behalf of WeChat

1. Confirm the returned credit card and the correct name of the cardholder;

2. Not all banks can repay via WeChat. It is understood that credit cards of China Merchants, Industry and Commerce, Bank of Communications, Bank of China, Guangfa, China Construction Bank, Xingye, CITIC, Ping An, Agriculture, Minsheng and Everbright, as well as Shanghai Pudong Development Bank, Jiangsu Bank, Bank of Ningbo, Nanjing Bank, Shanghai Bank, Beijing Bank, Hangzhou Bank, Hankou Bank and Shanghai Rural Commercial Bank, can all be repaid through WeChat.

3. Pay attention to the arrival time of credit card WeChat, master the arrival time of WeChat repayment, and avoid overdue credit card.

Tip: To help a friend pay back his credit card, you must keep your word, otherwise it may cause irreparable losses.

How to help others return their credit cards

Specific operation methods of credit card repayment:

1, the cardholder should find an agent or individual to pay the bill before it expires.

2. Then, the handling fee for reimbursement agreed by both parties is generally about 65438+ 0% of the reimbursement amount.

After the handling fee is settled, the institution or individual will help you pay off your credit card bill.

4. Then brush out the same amount through the pos machine provided by the other party.

5. Finally, the cardholder pays the reimbursement fee to the reimbursement agent.

Credit card agency still has certain risks, so you must find a formal agency to avoid being defrauded of personal information and property.

I. Direct repayment by ATM:

If you don't have a friend's credit card, you can make a card-free transaction directly at the ATM, input your friend's, and directly transfer the money to your friend's card to achieve the purpose of repayment. If there is, you can directly deposit money for repayment.

Second, Alipay repayment:

1. Log in to Alipay account and click Application Center-Credit Card Repayment-Credit Card Management.

2. Click+to add a credit card.

3. Fill in the credit card information and click OK.

4. The credit card was successfully added. The next credit card repayment can directly choose the set credit card for repayment, which is convenient and fast. You can also choose to modify settings or delete credit card information.

Use Alipay to help others pay back their credit cards, and pay back through Alipay mobile client for free; Repayment by computer, the repayment rate is 0.20%, ranging from the lowest in 2 yuan to the highest in 25 yuan.

Tips: The name of the account is the same as the name of the receiving bank, which means repayment for me; The account name is inconsistent with the name of the receiving bank, and repayment is made for others, including the relationship between the traditional Chinese characters and simplified Chinese characters of the credit card holder's name and Alipay account name.

Third, online bank repayment:

First of all, you must open online banking, and then directly use online banking to transfer money to the other party's credit card, which can also achieve the purpose of repayment.

Four. Repayment of business outlets:

When you arrive at the business outlet, you can directly transfer the money into the other party's bank card, and the salesperson will implement it after you confirm it, so as to achieve the purpose of repayment.

Operating environment: WeChat version 8.0. 16 Alipay version 10.2.0.9000 ICBC V6.10.8.0 Agricultural Bank v6.8.0

Where can I return my credit card in Shenyang?

Yellow River Street near Huanggu, Shenyang.

Credit card means that when the cardholder's credit card expires on the last repayment date, but I can't repay it in full at the moment, and the minimum repayment has to pay high interest, in order to maintain a good credit record, I can entrust someone else to repay it, and then I will brush out the repayment amount in the form of credit card consumption and return the funds to the helper.

To put it simply, the operation of credit card repayment is that the intermediary agency repays the overdraft limit that is about to expire, and then brushes out all the repayment amount not long ago in the form of credit card consumption. In fact, it is to return it first and then brush it out.

This concludes the introduction of Shenyang credit card repayment and Chongqing credit card repayment. I wonder if you have found the information you need?