Using a credit card may result in a prison sentence of not more than five years, or criminal detention of one to six months. In this case, it is usually a crime that requires a certain amount of sentencing because of the crime of credit card fraud. crime. For example, if the perpetrator sells, buys, or provides counterfeit credit cards to others knowing that they are counterfeit credit cards, it will constitute a crime of obstructing credit card management.

According to the regulations of the International Credit Card Organization and the People's Bank of China, credit cards and their accounts can only be used by cardholders approved by the card issuer, and may not be provided, rented or lent to others. It is a crime of obstructing credit card management. Therefore, you cannot lend your own credit card to others. The credit card must be held by the person who handles it. In accordance with the regulations of the International Credit Card Organization and the People's Bank of China, credit cards and their accounts can only be used by cardholders approved by the issuing bank, and may not be provided, rented or lent to others. It is a crime of obstructing credit card management. Therefore, you cannot lend your credit card to others. The credit card must be held by the person who handles it and cannot be lent to others. Lending it to others is generally a violation of the use contract. If any liability caused by you borrowing a card from a third party is borne by you personally, the bank will not bear any responsibility.

Lending a credit card to others is very risky. Once you take the initiative to lend your credit card to others, the cardholder must be responsible for repaying the credit card debt caused by malicious overdrafts by others. If the credit card is lost or stolen while others are holding the card, you will not be able to enjoy the bank's card loss protection and other services. All losses will be borne by the cardholder himself. What's more, if other people's credit card cash-out, fraud and other behaviors that occur while holding the card involve legal liability, the cardholder himself cannot escape responsibility.

Legal basis:

"Criminal Law"

Article 177 The crime of forging or altering financial instruments involves one of the following circumstances: forgery, alteration Whoever forges financial instruments shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also or solely be fined not less than 20,000 yuan but not more than 200,000 yuan; if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan. A fine of not more than 500,000 yuan; if the circumstances are particularly serious, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated:

(1) Forgery, Altering bills of exchange, cashier's checks, and checks;

(2) Forging or altering entrusted collection vouchers, remittance vouchers, bank deposit certificates and other bank settlement documents; (3) Forging or altering letters of credit Or the accompanying receipts or documents;

(4) Forging credit cards.

If a unit commits the crime in the preceding paragraph, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

Article 177-1 The crime of obstructing credit card management falls under any of the following circumstances. Anyone who obstructs credit card management shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or solely be fined not less than 10,000 yuan but not more than ten thousand yuan. A fine of not more than 10,000 yuan; if the quantity is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan:

(1) Knowingly knowing that it is forgery Holding and transporting credit cards of others, or holding and transporting blank credit cards knowing that they are counterfeit, and the quantity is relatively large;

(2) Illegal holding of other people’s credit cards, and the quantity is large;

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(3) Using false identity certificates to fraudulently obtain credit cards;

(4) Selling, purchasing, or providing others with forged credit cards or fraudulently obtaining credit cards using false identity certificates.

The crime of stealing, bribing, or illegally providing credit card information. Anyone who steals, bribes, or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph.

"Bank Card Management Measures"

Article 61 If any unit or individual has any of the following circumstances, according to the "Criminal Law of the People's Republic of China" and relevant regulations Processing:

(1) Fraudulently obtaining or using credit cards;

(2) Forging or altering bank cards;

(3) Malicious Overdraft;

(4) Using bank cards and their equipment to defraud bank funds.