provisions on the crime of credit card fraud in China's Criminal Law Article 196 Whoever commits credit card fraud or theft in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan or his property shall be confiscated:
1. Using a forged credit card or using a credit card fraudulently obtained with false identification;
2. using an invalid credit card;
3. using someone else's credit card;
4. Malicious overdraft.
the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
. Credit card lending to others for malicious consumption case: With the development of economy and society, credit card consumption has brought convenience to people, but it is also easy to cause some disputes. I lent my credit card to a friend in good faith, but it led to an unjust economic dispute, which led me to "pay the bill" for it.
there is no danger in giving credit cards to others as long as they can be repaid on time. However, if someone else fails to repay the loan on time after using it, you need to pay back the arrears generated by the credit card, and you also need to pay back the penalty interest that will be generated after the deadline. Moreover, the bank will also contact you when collecting money, which will have a great impact on individuals.
if the credit card is used by others without repayment, the bank will upload the overdue record to the credit information center after it is overdue. After the personal credit information becomes bad, it is difficult for users to apply for a loan or credit card again. Moreover, this record will remain in the credit report and will never disappear when the arrears are not returned.
in a word, it is best not to give personal credit cards to others, especially those you are not familiar with. When used, it may bring unexpected results to individuals. If an individual's credit card is idle, he can apply for cancellation at this time, and the cancellation will not bring any trouble to the individual.
users should not apply for too many credit cards at ordinary times. Generally, it is very good to have two or three. After all, having a large number of credit cards will bring management troubles. If the repayment date is confused, it is very likely to be overdue, which will have a bad influence. Moreover, having too many credit cards means that personal debts are too much, which will affect the handling of various loans.