There are often card friends who lose their credit cards due to negligence in the process of using them, fearing that they will be found by others and swipe their cards, which will bring losses to themselves. In fact, has anyone found that my credit card can be swiped? Mainly can be analyzed from two aspects. Let's introduce it to everyone.
Can anyone use a credit card when they find it?
1, according to usage:
If you lose your credit card, but set a password, others don't know the password, and even if you find it, you can't swipe it.
But there are two situations that can also be brushed. For example, with the loss of your credit card, your ID card and your mobile phone, others are likely to use your mobile phone to call the card issuer to modify the credit card password, and you can swipe your card after the modification is successful; In addition, if the credit card has no password, it can be swiped by others after being discovered.
2, from the legal point of view:
If someone finds your credit card and swipes it, then this behavior is stealing it. Stealing credit cards is an act, and it is convicted and dealt with according to Article 264 of the Criminal Law.
Article 264 of China's Criminal Law stipulates that public and private property with a value of more than 1,000 yuan and less than 3,000 yuan, more than 30,000 yuan and less than 100,000 yuan, or more than 300,000 yuan and less than 500,000 yuan shall be convicted according to "relatively large amount", "huge amount" and "especially huge amount" respectively.
The above is "Can others swipe their credit cards?" In short, even if you can swipe someone else's credit card, don't try it easily. After all, swiping other people's credit cards belongs to stealing credit cards and will be investigated for criminal responsibility. Do not try your best.
Can I refresh my bank card with pos machine?
If you find a new bank card, you can use a pos machine to swipe it, otherwise you can't swipe it.
First, after picking up someone else's bank card (credit card), if you can find the owner, you must return it to the owner in time, but if you can't find the owner, don't use it, because it is illegal to swipe the card after picking up the bank card (credit card). If the amount of swiping the card reaches a "large amount", it may even be suspected of committing a crime.
2. According to the Reply of the Supreme People's Procuratorate on How to Identify the Behavior of Picking up Others' Credit Cards and Using them at ATMs, "The behavior of picking up others' credit cards and using them at ATMs belongs to the situation of" fraudulently using others' credit cards "as stipulated in Item (3) of Paragraph 1 of Article 196 of the Criminal Law, and if it constitutes a crime, criminal responsibility shall be investigated for the crime of credit cards."
1. According to Article 196 of the Criminal Law on credit card crimes, "whoever engages in credit card activities in any of the following circumstances, with a relatively large amount, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, 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 not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft. "
Second, according to Article 5 of the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management (revised on 20 18), "those who use forged credit cards, credit cards fraudulently obtained with false identification, invalid credit cards or credit cards fraudulently used by others shall be deemed as" a large amount "as stipulated in Article 196 of the Criminal Law. If the amount is more than 50,000 yuan but less than 500,000 yuan, it shall be deemed as "a huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 500,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law.
Someone else found my credit card. Can I swipe it?
If you don't have a password, you can swipe your card.
Can anyone use a credit card when they find it? The following is a specific analysis:
1) From the usage situation: If you lose your credit card, but set a password, others can't swipe it even if they don't know the password. But there are two situations that can also be brushed. For example, with the loss of your credit card, your ID card and your mobile phone, others will probably use your mobile phone to call the card issuer to modify the credit card password, and you can swipe your card after the modification is successful; In addition, if the credit card has no password, it can be swiped by others after being discovered.
2) From the legal point of view: If someone finds your credit card and swipes it, then this behavior is stealing it. Stealing credit cards is an act, and it is convicted and dealt with according to Article 264 of the Criminal Law. Article 264 of China's Criminal Law stipulates that public and private property with a value of more than 1,000 yuan and less than 3,000 yuan, more than 30,000 yuan and less than 100,000 yuan, or more than 300,000 yuan and less than 500,000 yuan shall be convicted according to "relatively large amount", "huge amount" and "especially huge amount" respectively.
1. Basic conditions for credit card processing:
1) The applicant must be at least 18 years old and have full capacity;
2) The applicant has a valid legal identity and a good personal credit record;
3) The applicant has a stable job and income, and has the repayment ability;
(4) Other conditions required by the bank.
2. Generally, the information required for applying for a credit card is as follows;
1) the applicant's valid identity document, which can be a copy of the identity card and military officer's card;
2) the applicant's academic credentials;
3) Proof of the applicant's work and income;
4) Financial documents of the applicant.
3. The specific reissue process is as follows:
1) First, you should report the loss of your credit card, and then reissue it. This can be solved by calling. The cardholder can call the customer service phone number of the relevant bank, press the 0 key or other service keys, and then go to the workers' service to handle the loss reporting and reissue business. This operation saves you the time of going to the bank in person.
2) After the replacement is confirmed, the cardholder can receive the new card in about two weeks.
If someone loses my credit card, can I use it?
I can't. The credit card must be activated before it can be used. Without activation, the card doesn't even have a password, and it can't be used even if it is found by others. And if it is activated, although there are many activation methods, it can only be activated if the user passes the verification. Others cannot be activated without knowing the user's ID number and mobile phone number.
Once you find that your credit card is lost, you'd better apply to the bank for loss reporting as soon as possible to avoid theft.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers.
The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. 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 limit.
Product category
Classification of institutions
(a) according to the different card issuers, it can be divided into bank cards and non-bank cards.
(1) bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
(2) Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
(2) According to different card issuers, it can be divided into corporate cards and personal cards.
(1) company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
(2) Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
(3) According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
(1) ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
(2) gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
How to withdraw money when you find a bank card and how to find a credit card?
How to withdraw money when you find a bank card and how to find a credit card?
If you find a debit card, you can't use it because there is a password. Debit cards in China must have a password. Unlike credit cards, you can spend without a password.
If a credit card is found: the householder does not have a transaction password, so he can't withdraw cash at the ATM, but he can use it to swipe his card at the POS machine, but he can use the information on the card to directly spend online on some foreign websites; The householder has set a transaction password, and it is not allowed to withdraw cash at ATM or swipe the card at POS. The information on the card can also be directly consumed online on some foreign websites.
However, it is illegal to fraudulently use other people's credit cards, which is a deliberate misappropriation of other people's property, and may also be suspected of stealing other people's property and other illegal acts.
What are the banking hours?
The business hours of different banks are different, but in general, they all go to work from 9 am to 5 pm. I will get off work earlier than usual on weekends and around 3 pm. The above is only for non-holidays and weekends, and banks are closed on holidays.
Is the reissued bank card still the original one?
The reissued bank card can be the original one. There are two ways to reissue a bank card, one is to reissue it with the insurance number, and the other is to reissue it with a new number. You can explain the need to the bank when you reissue the card. If the bank card is lost, it is recommended not to use the original number to avoid security risks. If the user loses his bank card, he should first call the bank customer service phone to report the loss orally. If the bank card is damaged, you can apply for a new card at the bank counter with your ID card and the damaged bank card, and you need to pay the card cost.
What procedures do I need to reissue my bank card?
Generally, you only need to bring your valid personal identification to the counter of the issuing bank to apply for a replacement card. If you can't provide the bank card password for the replacement card, you need to report the loss first, and then go to the branch counter for a replacement card one week later. The new card reissued after reporting the loss is different from the old card, but the account information is the same. Under normal circumstances, you can only change your bank card in person at a bank outlet, and you can't entrust others to do it for you. In addition, replacing the card and reporting the loss may generate certain costs and business expenses.
Someone has lost their credit card. Can they swipe it?
Yes
In China, you can't swipe your credit card if it is lost, but there is a risk of being stolen after it is lost, because many foreign websites can complete the payment without entering the transaction password when using the credit card to complete the transaction.
If the credit card is a non-flash payment card and has a password, it can't be swiped in China unless the password is cracked. However, some Haitao websites can consume as long as they know the information such as credit card, expiration date and security code, even if they don't know the password.
Extended data:
Precautions:
When a credit card is lost, it must be reported as soon as possible. Especially nowadays, many flash credit cards, even if they have passwords, are easily stolen by default.
There are two ways to report the loss of credit cards: temporary loss reporting and formal loss reporting. The card will not be reissued until it is officially reported. If the loss is reported temporarily, it will be cancelled automatically.
Many banks do not charge a replacement fee for reporting the loss of their credit cards. After the credit card is officially replaced, the expenses will be directly deducted from the credit card account, and repayment will be required on time. The cost is generally about one card in 50 yuan, and special technology credit cards have to pay extra.