Why the use of credit cards to pay for cigarettes has been discontinued

The upgrade of credit card control came faster than expected. No, one after another, many banks have announced that they will further regulate the use of overdraft funds and close transactions in some areas.

Recently, many banks including the Agricultural Bank of China have announced that in order to strengthen business compliance management, they will control non-consumer transactions. In this regard, people in the credit card industry who are familiar with the situation explained to the Shanghai Securities News reporter that these measures are to return the credit card business to the positioning of serving personal retail consumption. The closure of credit card tobacco withholding transactions, which has attracted market attention, does not mean that individuals cannot use their credit cards to buy cigarettes, but it restricts the business activities of relevant merchants.

Credit cards are an important pillar of bank retail business. In recent years, the number of cards issued and transaction volume of various banks have continued to grow. However, along with this, problems such as the high number of complaints from cardholders have appeared frequently, and regulatory authorities have stepped up their investigation and punishment of credit card violations.

My credit card worth more than RMB 30,000 is overdue for half a year. I received a call from the Economic Investigation Bureau and asked me to undergo an investigation. Do I have to go?

I happen to have handled a similar crime involving credit cards. The first trial lasted seven years, and the second trial resulted in a not guilty verdict. This should be able to answer your question.

First of all, when receiving a verbal summons from the case-handling agency, you must go and cooperate with the investigation, otherwise you may be forcibly summoned.

Secondly, if one is indeed suspected of a crime, accepts a verbal summons from the public security organ, takes the initiative to cooperate with the investigation, and makes a truthful confession, it can be regarded as surrendering in judicial practice.

Again, you need to consult a professional criminal lawyer to verify whether your behavior constitutes a crime and whether there is room for redress.

Finally, a word of advice, take the initiative to go to the credit card issuing bank to communicate about repayment before going to accept the investigation. If there is any change in information such as contact number, home address, work address, emergency contact person, etc., the credit card retained information needs to be changed in a timely manner. If you have repeatedly refused to answer the bank's reminder calls, you need to contact the bank as soon as possible to negotiate the repayment and record evidence, or directly repay part of the debt.

The most important criminal feature of credit card crime is the refusal to repay. If it is indeed impossible to repay on time due to financial difficulties, you should at least have the responsibility and behavior to repay the debt and show your sincerity not to evade the debt, so as to avoid civil transfer. Criminal case filed.

Ask your policeman’s name and police number, and then call him grandson and tell him what crime it is to impersonate a policeman. It’s really his turn to conduct an economic investigation. You, will still call you, the easiest way is to arrest you directly, and still call you?

If you owe 30,000 yuan, it’s the economic investigation’s turn to investigate you? You take yourself too seriously. You can't catch criminals worth hundreds of millions or billions. You still use your time to investigate your big deal, which is a waste of national resources.

Negotiate with the bank to solve the problem. For example, if you apply for an illegal credit card without guarantee online, and it is a credit card promoted by the bank, it is recommended that you do not repay it. They will induce you to consume illegal online loans and you will suffer the consequences!

If your credit card is overdue for six months, it is no longer possible to receive an economic investigation call! Let me tell you based on my experience in handling nearly a hundred real overdue personal credit card cases. Are you sure that the economic investigation call you allegedly received was a "real" call from the economic investigation brigade or squadron of the public security agency?

Why do you ask?

After the credit card is overdue, within the first billing period (the bank credit card center uses three months as a billing period), it has already decided what kind of action to take against the cardholder. More than 95-98% of most people will continue to receive collection calls, text messages, legal reminder letters, and door-to-door verifications within a year, until they package and sell the debt and switch to another home for collection. There are still 2-5% of people who may be harassed by the bank, but this is a civil economy, and they will be dealt with directly without using public security forces. Only a very small number of people will be taken away by the police, pay attention! If you are taken away, the police will appear directly in front of you and will not make any phone calls to you at all! I have collected three cases of this situation to share here:

One is at least six years ago, a man in his 40s, a private owner, who lost his principal due to business failure. CITIC Bank credit card is overdue. More than 10,000 yuan was taken to the store for questioning by J, who claimed to be a legal officer of China CITIC Bank and a local citizen. After taking him to a separate room on the second floor, no one paid attention to him for several hours. Finally, the man (who was smaller in stature) actually opened the window and jumped through the iron fence to escape. I ran to a friend's house and hid for a while, but nothing happened after that, and the money was never paid back.

But he himself said that he found on the Internet that he was still an Internet fugitive. In all these years, he has never taken a train, a plane, or stayed in a hotel.

The second one is also a man, about 40 years old. The couple owns a clothing store and both have credit cards. It was still CITIC. Last summer, it was still in the store. At noon, when the man was in the store by himself, CITIC Legal and the local people in the jurisdiction took him to the office for questioning. He was asked to call home and asked to pay. Finally, the next morning, his wife brought 3,000 yuan and he came back.

The third one is a woman in her 30s. The couple runs a restaurant. Both of them also have a credit card each. Last autumn, three months after the woman's Bank of Communications payment was overdue, she received a call saying that she could come to the local credit card center to negotiate for repayment. The woman went there and was taken away by police officer J from the bank's 110 area police station. They also questioned her and said she was suspected of using a credit card. The woman was frightened and called her husband. The man bought two cigarettes and went there. At 9 o'clock in the evening, many people came back.

The purpose of talking about these real cases is to explain that the economic investigation calls mentioned by the questioner are most likely to be fake collections. If you go there, the other party will call the police and contact the local people to take you away. You cannot If you are sure to file a case, it will only make you sick for 24 hours, but you can still do it.

On the other hand, if you are indeed suspected of committing a crime and receive a verbal summons from the public security organ, then the other party will clearly inform you that you are required to voluntarily go and cooperate with the investigation. You must go directly to the public security organ and cannot be any other person. place.

Through these cases, debtors are also reminded that after their credit card is overdue, they should treat it proactively immediately and should not avoid avoiding the problem. In particular, you should face up to the overdue period from the bottom of your heart and organize your financial data. At least you should be able to clearly explain to the bank how long you have used the credit card, how many bills are due, what is the limit, how much is the last bill, and whether there are installments. How many repayments have been accumulated before, how much money, etc. When you first communicate with the bank about overdue payments, you can clearly explain your situation. I believe you will save yourself a lot of unnecessary trouble later and handle the problem naturally. You won’t be too passive!

Don’t go! Let the banks come by themselves! You have to answer the key phone calls. Don't admit that you can't afford it, but you just have some problems. Pay back one or twenty every month and leave the conflict to the bank. If you evade, you may be held accountable. Remember, you don’t owe your life if you owe money to the bank!

I received it in January, years ago. I had an overdue principal of 26,000 yuan, plus interest and penalties, and more than 4,000 yuan. Let me first describe the situation to you.

There are a lot of words, all of which have just been experienced. They are all practical information and no nonsense. I hope it will be helpful to you.

First of all, I am overdue on multiple platforms, so I don’t answer many calls. If I do, it won’t explain the problem, let alone solve it. That morning, my ex-wife called me and gave me a number to contact me immediately. She was the emergency contact for my credit card. He didn’t make it clear who this person was. I called and the man said he was from the XX City Municipal Bureau. , Report Review Center, note that this unit was later confirmed by many parties to not exist. Moreover, my household registration has long been in my current city, and the city where the "police officer" belongs is my birthplace. The "police officer" told me that there was a report that required my assistance, and that he would bring an immediate family member to him within a day or two to assist him, and then gave me a director of Industrial Bank to contact him first to see if he could resolve your debt and ask the bank to withdraw the lawsuit.

The director of the bank also contacted me and told me that it was overdue and asked me how to solve it. Then he would help me withdraw the lawsuit, waive the penalty, and only keep the principal.

In fact, I had a lot of questions at the time, and I searched online to see if anyone had encountered such a situation. Moreover, I have a friend who is a policeman who works in economic investigation, and he also verified it with me, and it was false. It was a debt collection routine, but at that time, as the client, I didn’t want to make the matter bigger, but wanted to lend a hand in debt collection and ask my family to help me and repay more or less. My final result was that my family helped me get the principal and paid it back. , deposited at the bank counter.

My answer to you is, if you can pay it back, get rid of him, start working immediately, and work hard. If you can't pay it back, don't answer any calls and don't believe any tricks. First of all, the official will not speak for the bank and ask you to pay it back. In addition, if the single card does not exceed 50,000, it will be fine. Do you understand? If you come to your door one day, sit down and explain it slowly. But it must be true and sincere, not a stalemate.

@Yechengxiaopang, as a former credit card collection account manager, I will tell you that this call is most likely made by an outsourced collection company to scare you. If it is really a call from an economic investigation, I will give you the address. , just go over and cooperate and have a good negotiation. As long as the case is not officially filed, you still have a chance.

For the general process of credit card collection, if you are interested, you can read my other answers. The poster asked this question when he received a call from the economic investigation and asked him to cooperate with the investigation. This process of collection will most likely occur in the territorial collection. Local debt collectors usually make multiple visits to the door or make no actual progress in phone debt collection. They will use the landline phone that is not often used by the unit to carry out this operation. They will falsely claim to be from the Economic Investigation Detachment of the Public Security Bureau or notify the debtor that the bank has repeatedly Negotiations failed, and now they are waiting for a trick, taking advantage of the debtor's fear and putting pressure on them again to collect debt.

Of course, the poster may have indeed received a call from the Economic Investigation Team, because the bank will really give the public security bureau a list of customers with debts who plan to report the case, and those who are willing to negotiate and deal with it, as well as the final Opportunities are really rare. Sorry, people will be arrested for credit card crimes.

So, @叶城小盈 sincerely advises everyone to consume reasonably, overdraft reasonably, cherish your credit, and find a way to solve the problem if it is overdue. There is no way out for the old laity.

If the economic investigation calls you and asks you to go over and investigate, then just go there. What do you have to worry about? The fact that you are currently overdue is just a problem with your personal repayment ability, and it is not that you have committed any crime. Whether it is an economic investigation or the police, if they find you, you can just respond to the lawsuit normally. This matter is not a big deal. Yes, but you hold a credit card worth over RMB 30,000 and it is overdue for half a year. You have also incurred a lot of interest and liquidated damages. You do need to repay this debt to the bank, although the bank's debt interest and liquidated damages are relatively high. , but in this case, it is completely possible to negotiate the installment. If the installment is negotiated and communicated with the bank, then it is necessary to decide with the bank how many installments will be divided and how much will be paid each month? That's it. Regarding the issue of credit card debt, I have said it many times. It is recommended that debtors must resolve the debt as soon as possible if it is overdue and negotiate the installment as soon as possible. Otherwise, they will ignore it for a long time. , then there will be overdue, and then there will be an increase in interest, which will eventually lead to problems with your personal credit report. In this way, it is better to make installment repayments earlier, so I advise men if they are overdue. , you must take the initiative to negotiate and repay in installments is the best

It is recommended to video record the entire process when answering such calls. I have encountered it. This is actually urging the company to pretend to be an identity! Leave evidence so you can deal with him

A man spent more than 12,000 yuan on a pack of fireworks. How is the overpayment recovered?

It was the shop owner who discovered that he had overcharged, so he took the initiative to contact the other party and return the money to him. According to media reports, the incident occurred in Heilongjiang. When a local food store owner was settling his accounts, he discovered that there was an extra payment of 12,000 yuan in the mobile phone payment bill. The owner quickly realized that a customer had transferred the wrong order. got money. The boss immediately contacted the police, and it took the police three hours to find the customer who transferred the wrong money from the video.

It turned out that the customer entered the wrong number when buying cigarettes in the store, so the money was transferred too much. After confirming the identity, the police quickly contacted the customer, and the boss successfully returned the money to the customer. It would be great if this matter can be resolved smoothly. Especially after the boss discovered that the bill was wrong, he took the initiative to contact the police and returned the money to the customer. This deserves everyone's praise. You know, if you give back to a boss, you may just pretend that nothing happened. Moreover, the boss took the initiative to refund the money without the customer's knowledge. This definitely proves that the boss is a principled person.

In fact, this kind of thing may often happen around us. When transferring money, the wrong money is transferred, but the platform does not provide corresponding protection. Just like this incident, Pingquan can help The boss contacted the user directly, but the platform did not provide this service. The boss had to rescue the police to solve the matter.

Reference materials:

When buying cigarettes, Mr. Luo from Luobei County, Hegang City, mistakenly entered the amount into a password and spent more than 12,000 yuan. He didn't notice it at the time, and neither did the grocery store owner.

When the boss was checking the accounts in the evening, he discovered that Pingbai had an extra income of 12,000 yuan, and he suddenly broke into a cold sweat.

The shop owner quickly reported the situation to the police, who eventually found the person involved and refunded the money.

Failure to return the goods may even constitute a crime. This situation is an act of taking someone else's property as your own for the purpose of illegal possession and refusing to return it. constitutes the crime of embezzlement in the criminal law. However, the crime of embezzlement is one of the few personal prosecution crimes in the criminal law. You just have to collect evidence and file a lawsuit yourself, and the police and procuratorate won't get involved.

Is it a consumption violation to buy cigarettes from a tobacco company with a credit card?

It is not a consumption violation to buy cigarettes from a tobacco company with a credit card. The bank only lends money and will not interfere with what you buy!

Can I check if I bought a pack of cigarettes with a credit card at a gas station?

You can use the credit card mobile APP or log in to the official website, click on the consumption details to check, and you will see if it is reflected. If you don’t show it, you don’t have it

I owe 300 million to buy a pack of cigarettes with a credit card. What are the risks of using a credit card?

Credit card is also called a credit card. It is a non-cash transaction payment method. It is a simple payment method. Credit services are generally issued by banks or credit card companies to cardholders based on the user's credit and financial resources. Cardholders do not need to pay cash when using credit cards to make purchases. They can wait until the bill is issued before repaying. It can be said that credit cards have gradually become A way we consume.

But is using a credit card really safe? Recently, Mr. Wu from Chengdu went out to buy a pack of cigarettes, and he paid with his credit card at the time. However, as soon as he swiped the card, he received a consumer text message from the bank, showing that the user was in arrears of 311,720,168.39 yuan. Mr. Wu was also very surprised, so he quickly contacted bank personnel to confirm. Later, he found out that it was caused by a system upgrade and not a ransomware virus. However, this triggered discussions on credit card security.

So what are the risks of using a credit card?

Magnetic stripe cards are easy to be used

We all know that bank cards used to be magnetic stripe cards. If you swipe the card at a POS or ATM machine, the bank card will be left on the machine. The magnetic stripe information, and for technicians who are familiar with the credit card production process, they can obtain the magnetic stripe information by looking at the expiration date, etc., so it is not uncommon for credit cards to be stolen, but now many bank cards have been upgraded to chip cards. It is relatively safer and you can replace it as soon as possible.

Easy to be stolen

Credit cards Many people feel that their credit cards have been used inexplicably, and some people have even been judged by the bank as bad card users because of this, like a leader like me In the past, more than 1,000 yuan was charged to a credit card for no reason, so you need to pay attention to safety when using credit cards. For example, if the mobile phone to which the credit card is bound is stopped, it must be replaced in time. You must also turn on the safe mode of credit card use and select signature. +Enter your password, because this will prevent your credit card from being swiped and you can ask the bank for an explanation in time.

Failing to repay on time results in bad credit record

Credit cards are for our convenience. We can use the card to spend money and then repay. However, many times we do not repay on time and even repay overdue. The loan caused the bank to put a bad record on our credit record. Now credit is closely related to our lives. Some people even suggested that Alipay’s Zhima Credit can be used as a basis for making friends, because if there is a bad record, then his Sesame credit is not high. Society now attaches great importance to credit. When buying a house, you will be asked to check your credit record. If you have a bad record, your name will not be written on the real estate certificate. It’s so sad. Is there any ? Even when applying for a loan, a bank will look at an individual's credit record. If there is a bad record, the bank's loan will not be approved. Therefore, the most important thing to pay attention to when using a credit card is the repayment issue. You must develop the habit of timely repayment.

This ends the introduction about the man’s credit card for buying a pack of cigarettes and the man’s purchase of 56 cartons of cigarettes. Did you find the information you need?