First, let's look at the concept of credit card.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of functions such as consumer payment, credit loan, transfer settlement and cash deposit and withdrawal.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
Secondly, let's look at the concept of credit card installment.
Credit card installment loan means that banks provide cardholders with a certain amount of credit card consumption according to their usage records and credit status, and cardholders can use this amount through credit cards. Credit card installment loan repayment methods are generally divided into one-time repayment and installment repayment.
Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank deducts the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder repays according to the monthly recorded amount.
It should be pointed out that credit card installment generally needs to be put forward by customers themselves or after customer service calls for consultation.
So the credit card installment of the landlord must be your own grade. You can't apply for installment by credit card, you can only use credit card to spend.
Third, friends can go to the public security bureau to report the case without paying the money?
Under normal circumstances, it is impossible. Credit cards can only be reported if they are taken away by friends or swiped by friends. You lent it to a friend, which is not within the scope of the public security bureau.
Futures Chu Xiao said his own personal example. That year, a card was stolen by a friend, and the signature was not his own. Afterwards, my friend said that he would pay back the money, and then he ran away. I went to the public security bureau and said that I would go to court to sue, not because I was young and ignorant. In fact, they could have issued a notice not to file a case at that time.
You lend a friend a credit card, which is a loan between friends. It can only be solved through court proceedings, regardless of the public security bureau.
Futures Chu Xiao finally reminded everyone that it is best to put down the IOUs and protect the evidence when borrowing between friends. It is indispensable to prevent people's hearts.
You can even lend your own credit card to your friends, and no one can save you. Find a way to return it yourself.
I can't lend my credit card to my friends. What should I do?
After reading your detailed introduction, I'll give you some practical suggestions. If you follow this method, it can help you recover.
Write a debit note, write down the total amount, sign it yourself, and then take it and tell your friend that you used my credit card money and I don't want yours. Now that you haven't paid it back, you have to give me a written proof that you lent me the money.
As long as you sign it, you can change roles like this in the future. I don't borrow a credit card, but borrow money, you should understand. There is a written basis, ask him when to change it and how to return it, and write all those in it.
I know my friend did the same thing last year, and the amount was only 20 thousand. Later, I gave her this method, which was enforced in March this year, and the guy paid back the money.
It should be noted that you are willing to lend him a credit card, and the stolen credit card does not exist. If the case is handled by the court, high consumption must be restricted and enforced, so that he may automatically report to the police to spend 20 yuan. This is a unique measure, which is generally only enforced and does not limit high consumption. Here are the key notes for you.
I am a post-80s light creator and an Internet entrepreneur. How to deal with the problem of borrowing money by credit card, exchange information and encourage everything!
It's no use reporting the case. After all, the credit card itself is for your own use. It is illegal for you to lend it to others, so since he hasn't paid it back yet, you can pay it back yourself, and then ask him for a debt, or let him write you an iou first. Anyone who can borrow a credit card is a cow. I don't know why you are so worried. You'd better think about how to repay the loan first. If you don't get up, you can reverse the card temporarily or use the pad first. Still soft. You can avoid overdue first. Credit cards don't have to be urgent. After all, turnover is more flexible and convenient. You can turn yourself around first The most important thing is to ask your friends for money. That's the point.
You can only make a one-time repayment yourself, and then call the bank credit card service center to cancel this card. Put a friend's money in the bank, then talk to him and ask him to write you an iou. If you refuse to write an IOU, call the police directly and let the police coordinate. If not, please ask a lawyer to go through legal procedures.
The Credit Card Collection Contract and the Credit Card Management Measures clearly stipulate that credit cards are for personal use only. It is illegal for you to lend it to others now, so the other party is not afraid to let you find a way. Under the present circumstances, you can only take back your card and make clear all the debts of your current credit card (including the outstanding installment principal and interest). Ask your friend to write you an IOU. If you don't want to ruin your credit report and be harassed by overdue collection, then pay off the debt with money first. After the settlement, it is up to you to decide whether to keep the card for your own use or cancel it. I hope my answer is helpful to you. Thank you.
This belongs to staring, and you are still.
You can honestly pay it back
I suggest you type out the credit card bill and ask your friend to give you an iou according to the above amount.
If you have the ability to pay it back at one time, pay it back first. Otherwise, the bank is only looking for you to avoid generating more expenses, and any delay in repayment or long-term non-payment will affect the credit investigation.
Call the police and pay back the money. There is no other way.