When applying for a credit card, can I get divorced if I fill in the "married" form?
When applying for a credit card, can I get divorced if I fill in the "married" form?
When applying for a credit card, can I get divorced if I fill in the "married" form? With the openness of social ideas, divorce is a sad ending for marriage, and the biggest conflict between husband and wife is probably about money. The following sharing is about how to apply for a credit card and get divorced if you are married?
When applying for a credit card for divorce, can I get married if I fill in the form 1?
It is possible, and there will be no impact.
1. As long as you go through the divorce procedures, it will be fine and it will not affect you.
2. Different from loans, loans are borne by both spouses.
< p>3. The children’s judgment will be affected if they follow their father’s judgment.Article 196 Credit Card++ Crimes and ++ crimes include one of the following circumstances: carrying out credit card++ activities with a relatively large amount If the amount is serious, the sentence shall be not less than five years++++ or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan, if the amount is huge or there are other serious circumstances.
A fine of not less than five years but not more than ten years++ ++, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, if the amount is particularly huge or there are other particularly serious circumstances, a fine of not less than ten years ++++ or ++++, and a fine of not less than 50,000 yuan but not more than 500,000 yuan. The following fines or confiscation of property:
(1) Using a forged credit card, or using a credit card fraudulently obtained with false identification
(2) Using an expired credit card
p>(3) Pretending to use other people’s credit cards
(4) Malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.
++Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law. ”
When applying for a credit card, can I get married if I fill in the divorce form 2
Write the credit card as married or unmarried?
When applying for a credit card, everyone fills in the marriage truthfully If you are single, just fill in unmarried, and if you are married, just fill in married.
Of course, when reviewing credit cards, married people will have an advantage over unmarried people. After all, banks usually consider them married. The economic life of married people will be more stable. This also leads to some people who may want to fill in the marital status column when applying for a credit card, but this is not recommended.
Although marital status is part of the bank's review process when approving credit cards, it is not the focus of the review. The focus of the bank's review is more on whether the applicant's age meets the requirements; whether he or she has a stable financial income. The ability to repay on time; personal credit status, and whether the credit is good.
As long as the applicant meets the conditions set by the bank, meets the age limit, has a stable economic income, and has the ability to repay on time. , personal credit is good, and you can usually get a credit card smoothly. It has little to do with being married or unmarried.
If the applicant clearly states that he is unmarried but fills in the form of married, then the bank can do it when reviewing the credit report. If found, the marital status will be recorded in the basic personal information of the credit report. Once the bank discovers that the submitted information is false, the credit card will most likely be rejected directly.
If you apply for a credit card and enter it as married. Can it be passed? 3
Credit cards issued during marriage become overdue after divorce
It is necessary to distinguish the overdue time of the overdue credit card and finally determine whether it is a joint debt of the couple or a personal debt.
① If when applying for this credit card, you also signed the relevant bank documents and submitted your couple’s marriage certificate to the bank, then there is a very high possibility that the overdue amount owed by this credit card will be It is considered a joint debt of husband and wife.
Even if you can prove that the overdue credit card debt occurred after your divorce, you and your wife agreed in the divorce agreement that one party will bear all the debt or each party will bear it separately. The debts are borne by each of you, and you still can't fight against the bank, because when the bank applied for the credit card for you, it was because you were husband and wife. Moreover, the bank did not know the fact of your divorce and the agreement on the debt during the divorce. /p>
The only way at this time is to recover compensation from your ex-wife after you return the credit card.
② If this credit card was applied for in one person’s name during your marriage, you did not give the bank any personal authorization when applying for the credit card. This debt also occurred after your divorce, so the bank will definitely not come to you. This is also a typical personal debt.
③If this bank card is in your name, the debt occurred because your wife swiped the card after your divorce. The bank still has the right to require you to repay the overdue credit card balance, and you can pursue repayment from your ex-wife after repaying it.
Whether it is the same debt as husband and wife is a relatively complicated issue. Therefore, specific issues need to be analyzed in detail. The situations I listed above do not exhaust all situations.
The key is when the debt was incurred. If it was incurred after divorce, you don’t have to pay it back; if it was incurred during the marriage, then the debts you are responsible for are joint debts.
It depends on how much you owe, one hundred and eighty thousand will be fine. If it's hundreds of thousands or millions, it's all at stake. After all, both spouses are responsible for the marital property
First of all, determine whose ID card your ex-husband used to apply for the credit card loan, but because of this Debts that occurred during marriage are joint debts between husband and wife and should be dealt with during divorce.
In your description of the problem, you did not mention who will own the debt in the event of divorce, so I assume that there is no agreement on this debt in your agreement.
If it is wrong, please ask the questioner to add more information.
If the debt is not mentioned in the divorce agreement, you can pay off the debt first, and then go to your ex-husband to ask him to repay half of the debt you paid ( It is advocated that after the divorce, you alone should repay the common debts after the marriage, and now you are pursuing your ex-husband’s repayment responsibility).
Thank you for the invitation; what the poster said is that after divorce, whether the credit card owed by one spouse is the joint debt of the couple depends on whether the debt occurred during the marriage or after the divorce. Only the debts incurred in the future can give you the answer.
According to the provisions of the Marriage Law, when a man and a woman obtain their own marriage certificate and live together, they become a legal couple. The income of either party during the marriage period belongs to the equal income of both parties. At the same time, it is also clearly stipulated that debts incurred for living expenses during the marriage are joint debts of the husband and wife, and both parties have the joint responsibility to repay the debts.
If one party’s credit card debt is a debt that occurred during the marriage and was used for family life or business operations. According to the law, a husband and wife are one and the same person financially, and this is the joint debt of both husband and wife. In the event of divorce, both parties are responsible for 50% of the debt repayment.
If one party’s credit card debt is a debt that occurred during the marriage, and the money is not used for family life or business, but for personal consumption or gambling behind the other party’s back As for the debt incurred, as long as the other party has sufficient evidence to prove that it was a personal act during the marriage, it will not be regarded as the joint debt of the husband and wife. In a divorce, the other spouse is not responsible for repaying the debt.
If one party’s credit card debt is a debt incurred after divorce, the marriage no longer exists, and the husband and wife’s financial unity has been dissolved, that is to say, the economic interests of both parties have been separated. Clear as day. Needless to say, this is a personal debt incurred after the divorce and has no involvement with the other party.
How to change the marital status of China Merchants Bank Credit Card
To change the marital status, you can call the credit card customer service hotline 4006695566 or go to any Bank of China counter.
1. Apply for a new credit card and fill in your marital status. After the card is activated, in about 2 weeks, the marital status in the credit report will be updated to the status you filled in.
2. Pull a "detailed version" of the personal credit report and find out which institution submitted the marriage data items?
Then call the customer service number of the institution, submit an application to update the personal credit report information, and provide supporting materials.
If the institution does not accept the application, you can go directly to the local branch to submit a "personal objection" application.
Why do I find out I am married when I am not married?
There are generally two possibilities for changing from unmarried to married in a personal credit report. One is that when an individual applies for a credit card, Regarding the marriage option, married was entered by mistake. The other is making the same mistake when applying for a loan.
Solution: If you have several credit cards on hand, it is best to find out which card filled in the wrong marriage registration information when applying for the card (if you only have one, you have never applied for one) Personal loan, then there is no need to doubt). Confirm the credit card and contact customer service personnel to report the situation. You can also go to the local People's Bank of China with your ID card, household registration booklet, and personal certificate of unmarried status, and submit the materials to the Credit Reference Center to apply for changes.
1. What does personal credit reporting mean?
Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that the credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legal information inquirers in accordance with the law.
As of 2015, the database includes a total of 870 million natural persons, of which 370 million have credit records.
In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.
On September 30, 2021, the "Credit Information Business Management Measures" were reviewed and approved at the 9th Executive Meeting of the People's Bank of China in 2021 on September 17, 2021, and are hereby issued. Effective from January 2022 It will come into effect on January 1st.
2. Credit report
Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.
3. Credit information
1. Basic personal information used to identify individuals and reflect their family, career, etc.;
2. Personal and financial Personal credit information formed by credit relationships with institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by credit relationships between individuals and commercial institutions and public utility service agencies;
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4. Public record information related to personal credit formed by administrative agencies, administrative executive agencies, and judicial organs in the process of exercising their powers;
5. Other related to personal credit information.
There is no marriage on why the credit report is married
It has no impact. The reason for this situation may be that you have applied for a credit card before and filled in the marital status column incorrectly. As a result, your information in the personal credit record is married, but it has no impact on the business.
Legal basis:
"Regulations on the Administration of the Credit Reporting Industry"
Article 6 The establishment of a credit reporting agency that operates personal credit reporting business shall comply with the provisions of the People's Republic of China ***Company establishment conditions stipulated in the Company Law of the People's Republic of China and the following conditions, and approved by the Credit Industry Supervision and Administration Department of the State Council: (1) The major shareholders have good reputation and have no major violations of laws and regulations in the past three years Records;
(2) The registered capital is not less than RMB 50 million;
(3) There are facilities and equipment to ensure information security that comply with the regulations of the Credit Industry Supervision and Administration Department of the State Council. and systems and measures;
(4) The proposed directors, supervisors and senior managers meet the qualifications stipulated in Article 8 of these Regulations;
(5) The State Council’s credit reporting industry supervision Other prudential conditions specified by the regulatory authorities.
Article 7 To apply for the establishment of a credit reporting agency operating personal credit reporting business, an application form and materials proving that it meets the conditions specified in Article 6 of these Regulations shall be submitted to the credit reporting industry supervision and administration department of the State Council.
The credit reporting industry supervision and administration department of the State Council shall conduct an examination in accordance with the law and make a decision on approval or disapproval within 60 days from the date of acceptance of the application. If it is decided to approve, a personal credit reporting business license shall be issued; if it is not approved, the reasons shall be stated in writing.
A credit reporting agency established with approval to engage in personal credit reporting business shall register with the company registration authority with a personal credit reporting business license.
No unit or individual may operate personal credit reporting business without the approval of the credit reporting industry supervision and management department of the State Council.
Is it okay to fill in the form "married" and "single" when applying for a merchant credit card?
It is not allowed to fill in the form "married" and "single" when filling out the form to apply for a merchant credit card, because the bank will check personal credit information. If you fill it out incorrectly, it will be detrimental to your credit card application. When it comes to loans, you may have to go to the Civil Affairs Bureau to issue a certificate of unmarried status to change your marital status in the credit system.
Generally, the documents and information required to apply for a credit card are as follows:
1. Identity documents for mainland residents aged 18 to 65 years old.
Domestic residents: A copy of the applicant’s identity certificate or military officer’s ID card.
Overseas residents: (A and B must be provided at the same time)
A. Hong Kong and Macao residents provide a copy of their return home certificate, Taiwan residents provide a copy of their pass, and other foreigners provide their passports a copy.
B. Copy of domestic residence permit or temporary residence certificate.
2. Work certificate and income certificate.
A. Work certification documents: A copy of the work permit or work identification card or the original work certification stamped with the official seal of the unit.
B. Income certification documents: salary records issued by banks in the past three months (copies of salary card statements) or copies of personal income tax withholding vouchers or original income certificates issued by the unit.
3. Fill in the credit card application form and sign in the "Applicant's signature" area.
4. Other supporting documents.
Academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificates, self-owned car driving licenses, copies of Industrial Bank time deposit certificates, telephone, water, electricity and gas bills for the past three months in the current place of residence. The original of any document, other bank credit card supporting documents (the originals of the last three statements), etc.
Legal basis: Article 31 of Chapter 5 of the "People's Bank of China Law" stipulates: The People's Bank of China shall examine and approve the establishment, change, termination and business scope of financial institutions in accordance with regulations.
Article 22 of the "Credit Card Business Management Measures" states: The special contract unit shall not refuse to accept a valid credit card issued by the contracted bank that is legally held by the cardholder for any reason.
Article 24 of the Marriage Law: If a creditor claims rights in respect of debts borne by one spouse in the individual name during the marriage relationship, they shall be treated as joint debts of the husband and wife. However, this is except where one spouse can prove that the creditor and debtor have clearly agreed that the debt is a personal debt, or can prove that it falls under the circumstances specified in paragraph 3 of Article 19 of the Marriage Law.
Why does the unmarried credit report show married?
There are generally two possibilities for changing from unmarried to married in personal credit reports. One is that when an individual applies for a credit card, under the marriage option On the other hand, I entered married by mistake. The other is making the same mistake when applying for a loan. If you have several credit cards on hand, it is best to find out which card had the wrong marriage registration information when applying for the card (if you only have one and have never applied for a personal loan, then there is no need to doubt it). Confirm the credit card and contact customer service personnel to report the situation. You can also go to the local People's Bank of China with your ID card, household registration booklet, and personal certificate of unmarried status, and submit the materials to the Credit Reference Center to apply for changes.
Credit reporting is a Chinese vocabulary, the pinyin is zhēngxìn, which means to collect, organize, preserve and process the credit information of natural persons, legal persons and other organizations in accordance with the law, and to provide external credit reports, credit assessments and credit information consultation and other services to help customers judge and control credit risks and conduct credit management activities.
From "Zuo Zhuan: The Eighth Year of Zhaogong" "A gentleman's words are believed and conquered, so the resentment is far beyond his body." Among them, "faith and credit" means that one can verify the truthfulness of one's words, or solicit and verify credit.
Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to external parties in accordance with the law. Professional credit institutions provide a platform for sharing credit information.
In May 2019, a new version of the personal credit report will be officially launched, and the duration and granularity of the credit report information will be further improved.
Credit reporting records an individual’s past credit behavior, which will affect the individual’s future economic activities. These behaviors are reflected in the personal credit report, which is often referred to as the “credit record.” Until 2012, there was no law or regulation in China's current legal system that provided a direct basis for credit reporting business activities.
The Legislative Affairs Office of the State Council published the full text of the "Credit Report Management Regulations (Draft for Comments)" in October 2009, soliciting opinions from all walks of life on the credit report management regulations.
Credit reporting activities originated from the emergence and development of credit transactions. Credit is a special form of value movement that is conditional on repayment, including forms of currency lending and credit sales of goods, such as bank credit, commercial credit, etc. The modern economy is a credit economy. Credit, as a specific economic transaction behavior, is the product of the development of the commodity economy to a certain stage.
The essence of credit is a creditor-debt relationship, that is, the creditor (creditor) believes that the fiduciary (debtor) has the ability to repay, and agrees to the fiduciary's promise to repay in the future. However, when the commodity economy is highly developed and the scope of credit transactions becomes increasingly broad, especially when credit transactions spread across the country and the world, it will be extremely difficult for one party to the credit transaction to understand the credit status of the other party. At this time, understanding the credit standing of market transaction entities has become a need, and credit reporting activities have emerged as the times require.
It can be seen that credit reporting actually emerged and developed with the emergence and development of the commodity economy, and is a credit information service provided for credit activities.
This concludes the introduction on how to fill in Married on a credit card and how to fill in Married on a credit card. Have you found the information you need?