Credit information of funds is damaged! The CBRC reminds you to guard against the risk of lending credit cards. What is the specific information?

The specific information is that lending credit cards will bring harm: affecting personal credit information, judicial disputes, overdue huge handling fees, affecting cardholders' loans, and excessive consumption leading to inability to repay.

0 1. China Banking and Insurance Regulatory Commission suggested to guard against the risk of lending credit cards, which will affect personal credit loans.

First of all, the CBRC updated the official news and sent a long article to remind netizens of the need to guard against the risk of lending credit cards. Now everyone has a credit card, and everyone likes to use it. If a friend is in a hurry to use money, the cardholder will be soft-hearted and give the credit card to his friend. If a friend returns it on time, nothing will happen. If the friend refuses to admit it, and both parties have no IOUs, then the cardholder will either return the credit card himself or sue the friend. This is a judicial dispute about lending credit cards in China Banking Regulatory Commission.

Besides, if a friend doesn't pay back, and he has no money to pay back the credit card, it will be overdue. There is a handling fee for overdue credit cards, and the handling fee is very expensive. In addition, the overdue credit card is the credit report at the meeting. Even if the credit card is paid off later, the overdue record still exists. In case you want to borrow money to buy a house, it is impossible to borrow money because it is overdue.

Lending credit cards will also bring legal risks.

Although our credit card is lent to a friend, if a friend does something illegal and uses your credit card, the police will lock you in and look for you. Because we have to understand that the law clearly stipulates that credit cards cannot be illegally cashed out, laundered and other illegal acts, otherwise cardholders need to bear corresponding legal responsibilities.

To put it simply, when we usually use credit cards, we should abide by laws and regulations, use credit cards ourselves, don't lend them to others, and don't tell others the account password to prevent our credit cards from being stolen and causing economic losses.

03. Summarize.

I hope that netizens will read more about the latest dynamic articles of the CBRC, read more and learn more, so as not to fall into the routine. If you encounter anything wrong, please seek the help of the police as soon as possible.