Credit card (credit card) payment by credit card (credit card), this is a very common payment method in our daily life, most of them have mastered the rules of using credit card (credit card) And methods, not only that, many people are still using these rules to start a "entrepreneurship" just because they are familiar with the rules of credit cards (debit cards).

At present, in the use of credit cards (debit cards), a common phenomenon is to use POS machines to withdraw cash, but many people do not realize that their behavior has constituted a crime, and even some POS machines The sales staff of the machine use cash withdrawal as a selling point. This will make some users mistakenly believe that cash withdrawal is legal. Let’s sort out what behaviors are involved in the process of using credit cards (debit cards). Crime, so that everyone can fully understand credit card (debit card) crimes and avoid touching the red line of the law.

1. Cash withdrawal from POS machines (illegal business crime)

People who use POS machines to withdraw cash are divided into two types of groups. One is the professional group that withdraws cash. One type is a non-professional group that collects cash. A group of people who professionally withdraw cash and charge corresponding handling fees, such as professional underground banks and companies that specialize in cashing out money for others. In this case, it constitutes an illegal business crime. I have introduced it to everyone before. Here is the crime. No more talk. Today we are going to talk about non-professional cash withdrawal groups. This type of people are not people who make a career out of withdrawing cash. They just apply for a POS machine due to personal business needs, when they or their friends have financial needs. Sometimes, I use POS machines to withdraw some cash to cope with the shortage of funds. I am not trying to make money. I will only charge the cost of handling fees from my friends, or even no fees.

Cases like this are the most common. So does this behavior constitute a crime? Let’s analyze it in detail.

Theoretically, the so-called cash withdrawal means that the cardholder runs a fictitious transaction at the merchant, and then the merchant deducts a certain percentage of the handling fee based on the transaction amount and returns the amount you spent in cash. to the cardholder. The act of first running commodity transactions and then running fund collection and payment is a kind of fund settlement behavior. Fund settlement behavior is not illegal, but it is operated by fictitious transaction behaviors, false prices, post-transaction refunds, etc. The act of fund settlement is illegal. In this case, it fully meets the constituent elements of the crime of illegal business operations. In other words, it is a crime to withdraw cash from POS machines, whether professional or amateur, as long as it reaches a certain amount.

2. Chicken-and-egg type (crime of obstructing credit card (debit card) management)

In previous cases, some parties involved lacked funds for business, So I applied for a large number of credit cards (credit cards) by myself. I couldn't apply for a large credit card (credit card) by myself. When the credit limit was not enough, I borrowed credit cards (credit cards) from other friends, and some even used other people's credit cards (credit cards). Just put the card in your hand and return it as you use it. The bank's credit limit for each cardholder is comprehensively calculated based on his personal financial strength, repayment ability and other factors. Through this method, the cardholder can increase the overdraft limit of his credit card (debit card) in a redirected manner, which will increase the credit limit of the cardholder. For banks, if there is a serious mismatch between the customer's creditworthiness and the amount of funds used, there will be a greater risk of overdue payments.

When a person with a very low income holds a large amount of money that is many times his income, the possibility of repayment will be greatly reduced. Therefore, the relevant laws and regulations of the country strictly restrict this situation. This kind of behavior that hinders the management of credit cards (debit cards) seriously endangers the financial security of financial institutions. This needs to be severely punished by criminal means. Only in this way can we This prevents cardholders from easily touching the bottom line of financial institutions. Therefore, if you hold a large number of other people's credit cards (debit cards) and are using them to withdraw cash to maintain the cards, and the funds do not match your credit, even if you can return them as scheduled, it still constitutes a crime. .

3. Wholesale and retail type (crime of obstructing credit card (debit card) management)

Some parties only buy credit cards (debit cards) voluntarily sold by others at low prices. Then he sells it at a high price, thinking that he does not withdraw cash or swipe credit cards (debit cards). He is just a porter of credit cards (debit cards). He thinks that this is not a crime, but in fact it is also a crime. This is an act that seriously disrupts the management order of credit cards (debit cards), falls within the scope of strict crackdowns by national laws, and constitutes a crime.

Credit card (debit card) is a tool that brings us convenient services. We must not regard it as our criminal tool, let alone mistake it for legality and waste your precious time running an illegal business. The final result of your business can only be to sacrifice your personal freedom and have all your illegal income confiscated. This kind of behavior that contributes to the national finance will not be appreciated by anyone.