Who will repay the credit card bill borrowed by a colleague for shopping?

Credit cards have the function of consumption or cash withdrawal, and have a certain monetary nature. There is actually a conflict between the credit card applicant and the bank. The lending relationship is based on the principle of relativity of the contract. Even if the credit card is lent to others, the applicant should still bear the repayment responsibility. Of course, if the applicant has evidence to prove that all the money owed on the credit card was consumed by the borrower, after assuming the repayment responsibility You can recover from the card borrower. The risk of lending a credit card is not limited to the possibility that the applicant will bear the repayment responsibility. If the card borrower cannot repay the loan on time, the applicant must repay the loan on time, otherwise the credit card will be blacklisted for overdue repayment, and his credit report will be affected. Bad records appear.

Article 576 of the "People's Republic of China and Civil Code": If the creditor's rights and debts belong to the same person, the creditor's rights and debts shall be terminated, except where the interests of a third party are harmed.

My colleague wants to borrow a credit card, what should I do?

From a financial point of view, theoretically any amount of money loaned out is risky and has nothing to do with character.

Level 1: The emotional connection between you has reached a deep enough level. Yes: Borrow. No: keep watching. I have a friend who returned from the army. He once lent almost all his savings to a comrade. I asked him why. He said that this was the trust between comrades. If they were on the battlefield, they could trust each other with their lives. , let alone just money. It should not fall into this category.

On the second level, you can withstand the worst possible situation. If you lose this money (principal 20,000 + interest, probably more than 2,000), it will not have a big impact on your normal life. Influence. Yes: Borrow. No: don’t borrow. To put it simply, as the so-called greatness can help the world, it is also necessary to help others within the scope of your ability. Even if you lose it, it will not affect your life too much, and you can recognize someone again. The above mentioned is "money", but the credit card money is the bank's money, not the subject's money, so "credit" is involved here. So the respondent’s personal suggestion is to look at the first level above. If yes, borrow it. If not, just don’t borrow it.

What are the risks if you lend your credit card to a colleague with whom you are not familiar but with whom you are not very familiar?

First of all, lending a credit card to others is a violation of the credit card use agreement signed with the bank when applying for a credit card. If there is a loss of funds during the use of the credit card, the bank can refuse to compensate.

In addition, if you lend your credit card to others, in addition to the risk of being swiped during the period of lending, the credit card may be swiped. After the credit card is returned to you, the card can still be swiped.

Finally, most credit cards support card-less payment. After you lend your credit card, the relevant information of the credit card may be leaked, and your personal information may be used for card-less payment.

That’s it for my colleague’s introduction to borrowing a credit card.