Is it illegal for an intermediary company to issue a credit card?

Illegal. When applying for credit cards, intermediaries often package customers and use fake information to apply. This kind of behavior of intermediaries is illegal, it is a kind of ++ behavior, which seriously hinders the bank's credit card management. Therefore, once discovered by the bank and ++ is found, it is very likely that you will be sentenced to jail.

Legal basis:

"People's Republic of China and Civil Code"

Article 961 An intermediary contract is a report by the intermediary to the client A contract in which the principal pays an opportunity to enter into a contract or provides intermediary services for entering into a contract.

Article 962: The intermediary shall truthfully report matters related to the conclusion of the contract to the client. If an intermediary deliberately conceals important facts related to the conclusion of a contract or provides false information and damages the interests of the client, it shall not request payment of remuneration and shall bear compensation liability.

Is it true that when an intermediary handles a credit card, it ignores overdue credit cards, ignores rejections, and ignores inquiries and approves credit cards instantly?

It must be fake. Credit card approval conditions require review of the user's comprehensive information:

1. First, citizens who are over 18 years old and have civil capacity are required.

2. It is required to have a stable income and provide proof of income, firstly to prove the ability to repay, and secondly to use it as a reference for setting the credit card limit. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier.

3. The personal credit report must be good and have no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation. For example, security, self-employed, farmers, etc. are more difficult to successfully apply for. However, I learned that some banks have launched “Benefit Cards” for farmers.

5. Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card processing services specifically for college students. This is to apply for a credit card unconditionally. College students only need to bring their personal documents and student ID cards to the bank to apply for it.

6. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department, and must provide a guarantee unit that meets the guarantee conditions or have a local household registration. , a guarantor working locally.

So the intermediary’s claims of ignoring overdue credit reports, ignoring credit reports, etc. are basically false. They are just marketing words, so don’t believe them.

Looking for an intermediary to apply for a credit card (debit card)? There must be something wrong with your brain

What does the agency rely on for a living? Of course it depends on a little skill and information! As mentioned earlier, whether it is a credit card (debit card) or a loan, the approval authority rests with the bank. Even the credit card (debit card) salesperson dare not guarantee approval, so what kind of intermediary did you go to? Not to mention that you spent money unjustly, and maybe your credit report was also tarnished! Intermediaries are there to make money. As long as they make money, they don't care about your credit report. Moreover, the professionalism of intermediaries is also divided into three levels. If you encounter unprofessional ones, it will be even worse.

How much money does a real estate agent make? They are nothing more than making money from tenants and landlords. They are just a bridge. Whether a deal can be reached depends on the wishes of tenants and landlords. So, what about loan intermediaries? It’s the same thing, it’s nothing more than running and processing your information, submitting it for detailed review, and it’s up to the bank! If it is approved, you will make money. If it is not approved, it doesn’t matter. One out of ten will be approved! Anyway, there is no cost and there will be no loss. If you have money, you will make money.

Many people don’t know how to apply for credit cards (debit cards) and loans, so they go to an intermediary. They think the intermediary is very professional, at least more professional than them. Especially those who do not have a job unit can only find an agency. And what does an intermediary do? Just assign these people to several workplaces, install a workplace telephone number, and then submit the application. Of course, there are also some intermediaries that work with credit card (debit card) salespeople. How do they charge? Professional term - points! 5 points, 8 points, 10 points. What does it mean? It is a credit card (debit card) with a limit of 10,000, which charges 500, 800, and 1,000 yuan respectively. It's easy to make money, it's not difficult at all, you can even get the money with just a move of your fingers.

Will this impact sponsors? Of course it does, and it has a huge impact. When an agency applies for a credit card (debit card) for you, it will fill in a lot of information, which will be included in your credit report.

Especially for work units, one agency will give you one work unit, and ten agencies will give you ten work units. Over time, countless work units will appear on your credit report. The bank believes that your frequent job changes are false, but it is true that you are committing fraud. Therefore, many people think that if they are not overdue, their credit report is good. This is a complete misunderstanding, a huge misunderstanding.

It may be reasonable to be charged money, but it would be a huge loss if the credit investigation was messed up. You must pay attention to this. If you don't know how to apply for a credit card (debit card), it doesn't matter. You can go to a professional. If it doesn't work, just consult me. It's very simple and not difficult at all. Don't run around here and there, from one agency to another, it's useless. The final result is: your credit report is bad.

So, don’t pay for your ignorance, it doesn’t cost money. If you meet the right person and apply for a credit card (debit card), you can still make money. Regarding the credit record, we will explain it in detail later. The reason why I mention intermediaries is that I hope everyone will not go looking for intermediaries randomly, which will cause big problems. If you don’t believe it, just go and try it!

Is it illegal for an intermediary to apply for credit cards in the name of helping with loans?

Legal analysis: It is an illegal operation for intermediaries to charge for large-amount credit cards, because no intermediary is needed to apply for large-amount credit cards. Application conditions:

1. Be 18 years or older and have full capacity for civil conduct;

2. Have a good credit record;

3. Applicants can be His spouse or relative with full capacity for civil conduct may apply for no more than two supplementary cards;

4. Applicants should carefully read and acknowledge the "ICBC Peony Credit Card Articles" before applying for a card. Application materials: 1. Identity certificate: copy of resident ID card or military officer's certificate; 2. Work and income certificate; 3. Other financial proof: such as copy of real estate certificate, car driving license, deposit receipt, etc. Credit card application method: 1. Bring credit certificate to the counter to apply: Applicants are required to submit relatively complete asset certification documents and submit the above to ICBC for review by the ICBC back-end review department. 2. Online banking application: The applicant uses a savings card account under his or her name to open online banking, enter the official website of ICBC, enter ++, login password and verification code to enter the online banking page. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it. The review progress and results will be displayed on the online banking.

Legal basis: "The People's Republic of China and the Civil Code"

Article 148: One party uses fraudulent means to cause the other party to act against its true intention As a civil legal act, the party who was defrauded has the right to request the people's ++ or arbitration institution to cancel it.

Article 149: If a third party commits a fraudulent act, causing one party to perform a civil legal act against his true intention, and the other party knows or should know about the fraudulent act, the party who was defrauded shall have the right to The right to request the People's Republic of China or the arbitration institution to revoke it.

Article 150: If one party or a third party uses coercion to cause the other party to perform a civil legal act against its true intention, the coerced party has the right to request the People's Republic of China or an arbitration institution to Undo.

This concludes the introduction to the legality of intermediary handling of credit cards and intermediary handling of credit card installment charges. Have you found the information you need?