It's about your credit card!CBRC Reminder

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The Consumer Rights Protection Bureau of the CBRC recently issued a risk prompt to remind the cardholders of the credit card to hold the credit card under their name, lend or be kept by others, so as not to cause losses to myself and their families.

Picture source: Xinhua News Agency

According to the recent inspection of credit cards, some cardholders have found that some cardholders have leased and borrowed the credit cards under their names, which can easily cause cardholders' funds and credit reporting.

One of the risks: Covered over overdraft and damage to credit reporting. Cardholders rent and borrow credit cards may lead to excessive consumption of credit cards and overdrawing funds. Credit cards caused by weak repayment will not only generate interest, compound interest, and liquidated damages, but also damage the cardholder's personal credit reporting, affecting the card holding card holding card holders, affecting the card holding card holding card holders, affecting the card holding the card holding the card holder People apply for loans, and even cause judicial lawsuits. In addition, the cardholder's personal information also has the risk of leakage.

Risk 2: Causes the use of credit cards illegal. The cardholder borrows personal credit cards. If the borrowing person is improper, the amount of credit card is used in real estate, securities, funds, wealth management or pawn, mortgage, production and operation and other fields. It is easy to cause credit cards to be issued, restricted, stop using, and even bear liability for breach of contracts such as fines and penalties.

Risk III: Planted illegal crimes. Cardholders' rental or borrowing credit cards 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. The lessor and lender may also bear the corresponding legal liability.

The CBRC prompts to handle and use the credit card correctly:

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 runting 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 loss or interest or liquidated damages due to negligence management. At the same time, pay attention to the safety of credit card holdings. Do not easily disclose personal financial information of credit cards such as card numbers, passwords, and verification elements to others, and 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.

Source: Xinhua News Agency

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