First of all, lending an empty bank card to others violates the regulations of the People's Bank of China on bank card management. According to the regulations, bank cards are only used by cardholders themselves, and it is forbidden to rent, lend or transfer them. Once this provision is violated, bank card accounts may be frozen, which will seriously affect personal financial transactions.
Secondly, if you lend an empty bank card to others for illegal activities, such as money laundering and fraud, the cardholder may be regarded as an accomplice and bear corresponding legal responsibilities. This will bring huge legal risks and economic losses to individuals.
Finally, lending an empty bank card to others may also affect an individual's credit history. If the borrower fails to repay the loan on time, it will affect the credit score of the cardholder and adversely affect the future loan and credit card application.
Will the bank card be charged if it is empty?
No penalty points. There are three kinds of fees in the use of bank cards, including the cost of production, annual fee and small account management fee. The production fee is the fee that needs to be paid when handling the bank card, and the annual fee is the annual fee. Some banks can reduce the annual fee for cardholders.