If this happens, the credit card is not handled by me, but the user needs to repay when using it, otherwise the bank will take corresponding measures later. You can call the police and let the police intervene in the investigation.

Legal basis:

Criminal law of the people's Republic of China

Article 266 If the amount of public or private property is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance; if the amount is huge or there are other serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years; if the amount is especially huge or there are other especially serious circumstances, it shall be sentenced to fixed-term imprisonment of not less than 10 years and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.

Article 192 Whoever illegally raises funds for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years; if the amount of punishment is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than seven years and shall also be fined or confiscated.

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

Can't I get a credit card?

Hello, if you need to apply for our credit card, you need to do it in person.

Conditions: Applicants should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and good credit record. Please refer to the actual audit of our credit card application results.

Information: copy of our credit card application and ID card (foreigner: passport and residence permit or employment certificate; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate issued by the unit.

In addition, it is helpful to improve the credit limit by providing the following information, such as: a copy of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; A copy of the property ownership certificate (including my name)+a copy of any water, electricity and coal invoices of the property in recent 3 months; A copy of my driver's license.

Can I open a credit card instead of myself?

The credit card counter must be opened in person, and others can open the card through other channels, but they need the relevant information of the card owner.

According to Article 49 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall establish operating procedures for credit card activation and check the identity information of credit card holders before activation. A credit card whose applicant has not signed a contract (agreement) and whose identity has not been confirmed by the activation procedure shall not be activated. The new card, lost card, damaged card and expired card must be activated before the cardholder can use it.

The credit card is not activated by the cardholder, and no fees may be charged. Under special circumstances, except for the cardholder's written charge, customer service telephone recording, electronic signature and the way recognized by both the cardholder and the issuing bank, the creditor-debtor relationship formed when changing the card. Without the activation and use of the cardholder, the credit card shall not issue any gifts or gift certificates.

Extended data:

Measures for the supervision and administration of credit card business of commercial banks Article 53 Without the cardholder's application and the opening of the card service exceeding the credit limit, the credit card shall not deduct the excess fees in any form. Cardholders can use oral (customer service telephone recording), electronic and written methods to open or cancel the card service that exceeds the credit limit.

The issuing bank must provide information such as the charging form and calculation method of the over-limit fee before opening the card service for the cardholder, and clearly inform the cardholder of the right to cancel the over-limit card service. After the issuing bank collects the overrun fee, it shall clearly list the overrun fee amount of the corresponding billing cycle in the statement.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

That's all for the introduction of the credit card I didn't do.