It is illegal to use someone else’s bank card to make payments. All credit and debit cards are for personal use only. If you lend your card to others, you will be responsible for any consequences arising therefrom. By lending a bank card to a suspect, first of all, the party concerned violates the People's Bank of China's bank card management regulations. Secondly, if the suspect uses the card to launder money or engage in other illegal transactions, the party concerned must bear joint liability.

The penalty standards for the crime of money laundering are as follows:

1. A prison sentence of not more than five years or criminal detention, and a fine or a fine alone.

2. If the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined.

3. If a unit commits this crime, the unit shall be fined, and the person directly in charge and other directly responsible personnel shall be punished in accordance with the above provisions.

Legal basis: Article 191 of the "Criminal Law of the People's Republic of China"

The crime of money laundering is covering up and concealing drug crimes, organized crimes of a mafia nature, and terrorism The source and nature of the proceeds from activity crimes, smuggling crimes, corruption and bribery crimes, crimes that disrupt financial management order, and financial fraud crimes, and the proceeds generated therefrom, if any of the following acts are committed, the proceeds from the above crimes and the proceeds generated therefrom shall be confiscated, The person shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also or solely be fined; if the circumstances are serious, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than 10 years, and shall also be fined:

(1) Providing a fund account;< /p>

(2) Converting property into cash, financial instruments, or securities;

(3) Transferring funds through transfer or other payment and settlement methods;

(4) Transferring assets across borders;

(5) Using other methods to disguise or conceal criminal proceeds and the source and nature of the proceeds.

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