We all know that credit card is an important card in our life, which can solve our economic problems in time. I believe many people will use multiple credit cards with different repayment dates to realize repayment. In fact, this is a cash-out behavior. In fact, cashing out by credit card may bring a lot of trouble.
1. is easily judged as cash withdrawal by banks.
The bank explicitly prohibits credit card cashing. Once the cash is found, the card will be reduced and sealed, and legal responsibility will be investigated.
Step 2 solve the trouble
With more credit cards in hand, it will be very troublesome to take care of it every day, and there will be more land. Remember to repay each card in time. In addition, too many credit cards are easy to lose, and once they are not found, it is very troublesome to report the loss or cancel them.
3. Too many credit cards may affect future loans.
The total amount that the bank gives to everyone is limited. The more credit cards are used, the greater the credit limit of consumption. If you apply for a large loan from a bank, you may fail, so try not to apply for too many credit cards and do not cash out circularly.
In short, credit card recycling is very troublesome, or honestly swipe your card!
First of all, we still have to understand that the ultimate goal of bank card issuance is profit. As for the credit limit of your card and how to use it, the bank will not pursue it, and there is no corresponding regulation to explain it, but it will definitely crack down on cash withdrawal. In other words, no matter how much your card costs, no matter how you spend it, some people will still raise the amount, some people will cash it out, and the handling fee is not low, but they still can't escape the card reduction.
What behaviors of banks will be listed as cash?
1. The line span is obvious.
In fact, I'm not afraid of being maxed out. The bank's income is higher, but no matter how much the card is, the consumption must be stable, and there can't be dozens of swipes. Suddenly a lot of money came, and the bank was still taking the unprofitable merchant channel, so this was very troublesome. This is not to remind you once, but often after three times.
2. In the same business in day trading.
The person who specializes in this matter, POS machine traffic is very large, and may have entered the bank's risk control system. You should also join in the fun.
3. Empty the bill immediately after paying back the money.
This behavior is the most important, because once it is discovered, not only your card receipt is monitored, but also the POS machine of the merchant will be monitored at the same time. Everyone with a discerning eye knows what you are doing, and the bank must understand it. State directly on the books that you are short of money. Unless you go to a standard business every time, it will appear several times, and the amount reduction is certain.
Step 4 swipe your card in the middle of the night
The business hours of most businesses are generally from 8 am to 8 pm 1 1, which is also open 24 hours. But it doesn't matter how often you swipe your card once or twice. If you swipe your card several times during non-business hours, the bank will notice you. Under proper control, you can swipe your card during the day. After all, the handling fee is inevitable.
The risk of swiping a card is still very high in the eyes of banks, so friends still try to reserve a certain amount. At least, the books show that you are not so short of money. Try to avoid high-risk credit card swiping, rational consumption and rational card use.
Will black money and credit cards be frozen?
Black money and credit cards will be frozen. If the credit card is suspected of money laundering, you must make sure that you don't have it, so don't worry, just call the police, and make sure that the phone number dialed is the official number of the bank to which the credit card belongs. If not, it may be a phone number. This process means that the credit card is suspected of money laundering or something, and then the money is remitted to the account designated by the user. Then, if there is a manual station, you can contact the police officer of the Public Security Bureau.
First, black money and credit cards will be frozen.
The credit limit will be frozen or halved, and the bank will review the applicant's information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of issuing bank audit belong to trade secrets. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Second, the information expanded due to the credit card application.
There is no guarantee that the recipient is the applicant after mailing the card. In order to protect the applicant and the bank from the loss of credit card theft, the credit card was set up before it was officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.
To sum up, it is illegal to return the credit card to the money launderer, and most of these things are scams. There are many examples and lessons. I advise you not to fall for it. It won't do any good. No matter how many scams, in the final analysis, it still costs money. If you need to send money through strange phone calls, text messages and online chats, most of them are unreliable. If you meet an acquaintance who makes a similar request, you'd better confirm it in person.
My friend lent me a credit card to launder 500 thousand. Should I bear legal responsibility?
1. It is recommended not to lend personal certificates such as ID cards and credit cards. You should be responsible for anything that happens. There are legal risks, and there are great legal risks. No matter how the other party promises, no matter what kind of relationship it is, it is best not to do so.
The responsibility of criminal law needs the unity of subjectivity and objectivity. First, whether you know it subjectively or not, if you know that the other party is providing it for illegal crimes, it constitutes the crime of helping cyber criminal activities or concealing the crime. Secondly, if you objectively require the running water and illegal income to reach the limit, you will meet the requirements of conviction. Therefore, lending your bank card to others is risky and may face jail time. Please be careful! ! !
2.2065438+ Notice of the Ministry of Public Security of the People's Bank of China on Punishing Individuals for Buying and Selling Bank Cards or Accounts stipulates that citizens who rent, lend or buy and sell personal bank cards will be included in their personal credit reports, which will affect their loan and credit card applications, and all non-counter businesses and payment businesses will be suspended within five years.
3. Article 16 of the Law on Resident Identity Cards: In case of any of the following acts, the public security organ shall give a warning and impose a fine of less than 200 yuan. Illegal income, confiscate the illegal income:
(a) using false certification materials to defraud the resident identity card;
(2) Renting, lending or transferring a resident identity card;
(3) illegally detaining another person's identity card. Seventeenth one of the following acts, by the public security organs fined two hundred yuan to one thousand yuan, or detained for ten days. If there are illegal gains, the illegal gains shall be confiscated: (1) fraudulently using other people's identity cards or using fraudulent identity cards; (2) buying, selling or using forged or altered identity cards. Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs. Article 18 Whoever forges or alters a resident identity card shall be investigated for criminal responsibility according to law. Whoever commits any of the acts listed in Articles 16 and 17 of this Law and commits criminal activities shall be investigated for criminal responsibility according to law.
Alipay said my credit card was suspected of cashing out. What if I don't brush?
You need to contact customer service for the details of unsealing before you can continue to use it.
Alipay freezes the title restrictions of "credit card cashing" for three reasons:
First, the restriction of e-wallet of third-party payment platform.
1, risk control limit
In order to avoid or cash out, the risk control center at the wallet end will analyze the business and transaction records initiated by the merchants, and limit the suspected or cash-out behavior. From the user's point of view, in order to avoid cash-out behavior, personal consumption behavior will be judged, mainly for the single limit of credit card.
2. Fixed limit of different personal accounts
According to the integrity of the materials submitted by users and the personal credit analysis of users, wallets will have the classification of user accounts, such as Alipay, and the amount of users without real-name authentication is definitely low.
Second, the issuer's restrictions.
1. All online transaction limits of cardholders (mainly for online transactions of bank card accounts of financial institutions):
Credit card issuers have default limits for online transactions (bank wallet, UnionPay payment, express payment, etc.). ). Usually, the amount of a single transaction is limited to tens of millions, and users need to call the customer service number of the issuing bank to increase the amount of online transactions. If this is excluded, scan code payment is still limited, then refer to the above.
2. WeChat Alipay transaction limit (mainly for third-party payment account transactions of non-financial institutions):
At present, the single and single-day payment quotas of individuals in the four major banks using Alipay and WeChat are limited to 1 10,000 yuan, among which the credit card quota is even lower, and the single amount is basically less than 2,000 yuan. Other banks are slightly higher. It is mainly driven by the policies of banks or central banks in view of transaction security and other factors, but conspiracy theories are also rampant, and the old editor will not comment.
Third, the operator restrictions of aggregate payment QR code products
1, regardless of whether the operator of the aggregate payment QR code payment product is the WeChat Alipay channel accessed from other payment companies, banking institutions or other places, it is accessed by merchants or platforms, which will never change, and the transactions under its name are bound to be supervised and risk controlled by the WeChat Alipay platform.
2. As the operator of aggregate payment QR code products needs to provide T0 payment service, it needs to have a cash advance party.
I spent 17400 yuan with my new credit card. I wonder if it will be found out. I brushed it in the company store.
Hello.
You think too seriously, you won't. If a credit card has just been opened, when the one-time consumption exceeds 80% of the credit limit, the bank will call the cardholder to check the relevant information and confirm whether you swipe the card yourself. This is to protect the security of cardholders' funds, and it is also an evasive protection measure to prevent cash withdrawal.
If the bank suspects that you have cashed out, it will control the risk of your credit card, that is, suspend the payment function of your credit card (freeze funds) and won't arrest you ... Don't worry, unless the amount involved is very huge and it is suspected of money laundering.
In addition, avoid the code of conduct that banks are suspected of cashing out. Don't always swipe your card on the POS machine, or approach the credit limit every time you swipe your card.
If you don't understand, please ask. If you are satisfied, please adopt it.
How to erase the signature on the back of the credit card?
Signature erasure on the back of credit card:
1, alcohol;
2, nail polish remover;
3. Eraser with pen signature.
If all else fails, you can only cancel and apply for a new credit card.
Signature on the back of credit card:
1. Although credit cards used in daily life have passwords, with the increase of credit card usage, the risk of password leakage is also increasing. After the credit card and password are lost, checking "countersignature" becomes the last barrier to protect the main credit card.
According to the relevant requirements, the cashier must check whether the cardholder's signature is consistent with the signature on the credit card. If they are different, the consumer transaction cannot be confirmed. It is an irregular operation for a merchant not to check the signature. Cardholders should also establish a sense of safe consumption of credit cards and consciously sign their names on the back of credit cards to prevent them from being stolen.
3. In addition to verifying the "back signature" of the credit card when swiping the card in the mall to ensure the safety of the card owner, when withdrawing money from the ATM of the bank, if the machine has problems and the card is swallowed, the bank staff can also check the signature on the back of the bank card with the signature on the register, so as to handle the card return business.
4. After receiving the new bank card, you should sign on the signature column on the back of the card as soon as possible. The font should be consistent with the usual signature, and try to avoid too neat font, otherwise it will be easily imitated.
So much for the introduction of credit card washing.