1. Can China Merchants Bank credit card be used by others?
1. The agreement on using credit cards is very clear. Credit cards are for personal use, and China Merchants Bank also has such regulations. A few years ago, it was stipulated that credit card users would be fined 1000. Although it has been revoked now, the bank has always opposed lending the card to others.
2. Strictly speaking, the cashier should check whether the signature on the back of the credit card is consistent with the signature of the small ticket; If there is no signature on the back of the credit card, the cashier will ask for an ID card.
3. You shouldn't lend your attached credit card to others, no matter how good your friends are, whether from a security point of view or a legal point of view.
2. What will happen if China Merchants Bank lends its credit card to others?
In the credit card contracts or credit card articles of association of each bank, it will be clearly stated that "the credit card is only for the applicant's own use and may not be lent or transferred to others", otherwise the bank will not bear the relevant losses, and the cardholder himself will bear them.
In other words, if your friend maliciously overdraws with the attached card of China Merchants Bank you borrowed, or his credit card is lost or stolen during the card holding period, he can't enjoy the bank's services such as card loss protection. He will not only bear the loss, but also affect your credit history, so it will not be so easy to apply for a loan in the future.
What's more, if other people's credit card cashing, fraud and other acts involve legal responsibility during the card holding period, the cardholder himself can't escape the responsibility.
Example review
Card friend Xiao Wu once lent the supplementary card of Bank of Communications to a friend, but the other party failed to repay it in time, which led him to receive several bank dunning calls. Later, the card account was paid off, and Mr. Xiao Wu also cancelled the card, thinking that things had turned over.
Unexpectedly, two years later, Xiao Wu went to the bank to apply for a loan, but was told that there were many records of overdue repayment and malicious overdraft of credit cards. The annualized interest rate of the loan was expected to rise, and the loan was finally unsuccessful.