Credit card complaints account for 50%, and the CBRC issued a statement to remind the Risks of Credit Card for Rental Credit Card | News

Text/Lu Mengxue

Credit cards, as a convenient and fast small financial payment tool, are favored by financial consumers, but at the same time, some cardholders also have some improper or misunderstandings in the process of managing and using credit cards.

On September 22, the China Banking Regulatory Commission issued the "Risk Tips on Preventing the Rental Credit Card" (hereinafter referred to as the "Risk Tips"), reminding the cardholder of the credit card to hold the credit card under their name I and my family caused losses.

On July 28 this year, the CBRC disclosed data that in the first quarter, 3,7954 credit card business complaints were involved, accounting for 50.0%of the total complaints. In addition, in August of this year, the "General Situation of the Payment System in the first quarter of 2022" released by the central bank showed that the total credit card was overdue for half a year at the end of the first quarter, the total amount of unpaid credit was 92.676 billion yuan, an increase of 7.71%month -on -month, a new quarter high. The development of the credit card business is justified.

The CBRC said in the above -mentioned risks that renting a credit card can easily bring 3 risks. One is to fall into overdraft and damage to credit reporting. Cardholders rent and borrow credit cards may lead to excessive consumption of credit cards and excessive funds overdrawn. Credit cards caused by repayment will not only generate huge interest, compound interest and liquidated damages, but also damage the personal credit reporting of the cardholder, affect the cardholder's application for loans, and even cause judicial lawsuits. In addition, the cardholder's personal information also has the risk of leakage; the second is to cause illegal use of credit cards. Cardholders borrow their personal credit cards. , Production and operation and other non -consumer fields, will bring the risk of illegal credit card use to cardholders, which will easily lead to the loss of credit cards, restrictions, stop using, and even liability for defaults such as fines and penalties; In the hidden danger of illegal crimes, the cardholder's rental or borrowing credit card may be used by actual users or criminal gangs for illegal acts such as illegal cash cash, money laundering, transfer of fraud funds, and telecommunications network fraud. legal liability.

The CBRC proposes that consumers should properly apply for credit cards.

First, do the card on demand. Consumers should apply for credit cards in combination with their own consumption habits and repayment capabilities to avoid blindly handling cards and excess cards. When applying for credit card -related businesses, it is necessary to handle regular channels such as bank business outlets or official APPs, online banking and other regular channels.

Second, we must hold the card compliance. It is necessary to cancel long -term sleep cards or useless cards in time, so as not to cause negligence management or cause annual fees, interest, liquidated damages, etc. At the same time, pay attention to the safety of credit card holdings. Do not easily disclose personal financial information such as card numbers, passwords, and verification elements to others, beware of being deceived or illegally used by others. When a personal information is disclosed or suffered from illegal infringement, contact the card issuing bank or report to the public security organs as soon as possible.

Third, use the card correctly. Cardholders should consume scientific and rational consumption according to their personal and family financial conditions when using credit cards. We must adhere to "quantitative incompetence", prevent "yin eating food" and excessive consumption, but also to prevent the situation of "loan repayment" and "card support card" due to large debt. At the same time, in daily use, we should fully understand the relevant provisions of the credit card bills to generate daily, interest counting, interest -free repayment period, installment payment, etc., and avoid the adverse consequences brought by the overdue overdue.

Edit: Meng Junlian

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