Other people's credit cards cannot be used.

Credit card application conditions:

At least 18 years old;

Hold a valid ID card;

No bad credit record;

Have a fixed work certificate;

Proof of income stamped with the financial seal of the unit;

Other financial certificates, such as real estate, cars, stocks, bonds, etc. ;

Social endowment insurance certificate;

Provide two contacts.

The first three conditions must be met, and trying to provide 4-7 proof materials will improve the success rate and credit limit of card processing. It is best to apply for a credit card at a bank outlet, and there will be a phone call after approval.

Can I use my friend's credit card?

Yes, the credit card is for personal use, but now the cashier doesn't check the signature carefully. You can swipe your brother's card and sign his name.

Friendly reminder: Please don't transfer your credit card to others.

My friend's credit card doesn't pay back the money, and my contact person is me. Will my credit be affected?

It won't affect. Contacting you is just that the customer service staff can't contact your friend, and they want to contact each other through you, or ask you to tell them to pay back the money as soon as possible. It will not affect your credit. If you borrow money through your ID card, it will be affected.

Is it useful for a friend to use a credit card and not return it to the police?

It is useful to call the police. If a friend fails to repay the loan on time after using your credit card, you can collect relevant evidence and call the police. The public security organs will also mediate according to law. If mediation works, friends must pay back the money. If the mediation fails, it will eventually be++against++,and the judgment will be made by++.

But remember that cardholders are jointly and severally liable, because credit cards are forbidden to lend. If he doesn't pay back, he can only bear the debt himself.

If it is overdue for 3 months or the bank fails to repay the dunning twice, the bank will++your credit card++maliciously overdraw. After++,if++refuses to repay, it will be enforced, and if the circumstances are serious, it will be sentenced according to law.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date. ?

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 65,438+04% in the next 65,438+00 years, and the profitability will also tend to improve.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

This is the end of the introduction of friends' credit cards and recommending friends to apply for credit cards. I wonder if you have found the information you need?