It's about your credit card!The CBRC releases risk prompts →

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. Recently, the Bank of China Insurance Supervision and Administration Commission found in a special inspection of credit cards that there are some cardholders who rent and borrow the credit cards under their names, which violates the "Bank Card Business Management Measures". It is not allowed to rent or borrow "regulations, and it is easy to cause cardholders' funds and credit reporting. To this end, the Consumer Rights Protection Bureau of the China Banking Regulatory Commission issued the 6th risk prompt of 2022, reminding the cardholders of the credit card to not rent, borrow or be kept by others in their name, so as not to cause losses to myself and their families.

1. The risk brought by credit card rental

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 huge interest, compound interest, and liquidated damages, but also damage the cardholder's personal credit reporting, affecting the card holding card holding card holder, affecting the card holding card holding card holders, affecting the card holding 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 improperly used, the credit card amount is used for real estate, securities, funds, wealth management or pawn, mortgage, production and operation and other non -consumer fields. Risks are likely to cause credit cards to be issued, restricted, stop using, and even bear liabilities 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 lenders may also need to bear corresponding legal liabilities. For example, according to the Supreme People's Court, the Supreme People's Procuratorate, and the Ministry of Public Security "Opinions on Criminal Cases and other criminal cases such as telecommunications network fraud (2)" stipulates that "awareness or subjective comprehensive identification of other people's use of information networks to implement crimes, and it is still illegally held or still holds or Renting the credit card to it and providing the help of payment settlement "to help the crime of helping the information network crime. Article 11 of the Supreme Law and High Procuratorate "Explanation of Criminal Cases and other criminal campaigns such as illegal use of information networks and help information network criminal activities" clearly stipulates that "if the acquisition, selling, and rental units pay accounts, it is illegally opened and and arranged Selling and renting other people's mobile phone cards, credit cards, bank accounts, non -bank payment accounts "identified as subjective crimes that know the situation. The relevant terms of the Criminal Law have clearly stipulated the holding and use and management of credit cards. Improper use or illegal holding is likely to constitute a crime of credit card fraud and obstructing credit card management.

2. Correctly apply for credit card

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.

Source ｜ People's Daily Online

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