1. What should I do if someone else uses my credit card overdue?

It needs to be analyzed based on the specific situation. The reference basis is as follows:

1. If your credit card is stolen by a friend, you should call the police;

2. If the other party uses the credit card with your consent, it is a civil case. You need to repay the credit card debt first, and then ask the other party to transfer the money. If the other party refuses to repay the money to you, you can sue in court.

3. If you lend your credit card to others, the bank will collect money from the cardholder after the credit card is overdue. The legal consequences of the overdue credit card are also borne by the cardholder.

2. What behaviors are considered fraudulent use of credit cards?

(1) Finding other people’s credit cards and using them;

(2) Defrauding other people’s credit cards and using them;

(3) Stealing, bribing, defrauding or obtaining other people’s credit card information through other illegal means and using it through the Internet, communication terminals, etc.;

(4) Other fraudulent use of others Credit card situation.

3. What are the criminal facts that the public security agency needs to find out after the fraudulent use of a credit card is reported to the police?

(1) Whether a criminal act exists;

(2) ) The time, place, means, consequences and other circumstances of committing the criminal act;

(3) Whether the criminal act was committed by the criminal suspect;

(4) The identity of the criminal suspect ;

(5) The criminal suspect’s motivation and purpose for committing the crime;

(6) The criminal suspect’s responsibility and relationship with other co-defendants;

(7) Whether the criminal suspect has any statutory circumstances that warrant aggravated, lenient, mitigated punishment or exemption from punishment;

(8) Other facts related to the case.

4. Can a criminal incidental civil lawsuit be filed if a credit card is used fraudulently?

Yes, the conditions for filing a criminal incidental civil lawsuit are:

1. File an incidental civil lawsuit The plaintiff and legal representative of the civil lawsuit meet the legal conditions;

2. There is a clear defendant;

3. There are specific requirements and factual basis for requesting compensation;

4. The victim’s material losses were caused by the defendant’s criminal behavior;

5. It falls within the scope of the people’s court to accept incidental civil litigation.

Credit cards cannot be lent to others. If the credit card is overdue, the bank will not collect payment from the actual user. Instead, it will send text messages, call or use other methods to collect payment from the cardholder. After receiving the collection text message, the cardholder must repay the debt as soon as possible, and then pursue the legal responsibility of the actual user through negotiation, prosecution, etc.