Hundreds of thousands of bank cards are posted every day, and banks will not check them, but the China Banking Regulatory Commission will check them. If posting 5 million yuan is normal income, it is not illegal to post or run water casually, as long as it can be explained clearly, it is generally no problem. 2. If the recorded $5 million involves money laundering or improper payment and criminal acts, you will definitely be detained, and if the situation is serious, you may be sentenced and need to go to jail. 3. The borrower itself is illegal. Never lend your bank card to others for deduction or help others to use it. Be a good citizen who knows the law. At the same time, we should also protect our bank cards and information to avoid being used by criminals. 1. The bank stipulates that all credit cards and debit cards of cardholders are for personal use only. If you lend your card to others, even if you don't know it, you will be responsible for the consequences. If an individual makes false accounts, it will also involve tax evasion, which is illegal. If it is found, it will be fined, the illegal income will be confiscated and even criminal punishment will be imposed. Therefore, any form of escape is illegal and will be punished by law. 2. Consequences of using a bank card to help others pay their bills: Whoever uses a bank card to help others pay their bills, knowing that the other party is suspected of fraud, deliberately provides a bank card, shall be punished as a * * * offender, and may be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and may also be fined concurrently or solely. According to the explanation of the "two highs" on the specific application of legal issues in handling fraud criminal cases, Article 7 clearly stipulates that anyone who knowingly provides credit cards, mobile phone cards, communication tools, communication transmission channels, network technical support, fee settlement, etc. to help others commit fraud crimes shall be punished as * * * *. 3. The company is suspected of using personal bank cards to evade taxes, which will not only be punished, but also affect personal credit records. Once discovered, companies and individuals will be punished accordingly, which will adversely affect credit reporting. At present, banks have increased the management of personal bank accounts, and many banks are cleaning up long-term personal accounts and cracking down on illegal money laundering. If it is based on the participation of the relevant financial supervision and management institutions in the State Council in formulating the anti-money laundering regulations of the supervised financial institutions, the supervised financial institutions are required to establish and improve the anti-money laundering internal control system in accordance with the regulations and perform other duties related to anti-money laundering stipulated by laws and the State Council.
Legal basis: Article 28 of the Measures for the Administration of Bank Card Business, when applying for a bank card (except stored value cards), an individual shall provide the issuing bank with his valid identity certificate specified by the public security department, and open a registered account for him after passing the examination by the issuing bank; To open a basic deposit account, a domestic financial institution shall apply for a corporate card with an account opening permit issued by the People's Bank of China; Bank cards and their accounts are only used by cardholders approved by the issuing bank, and may not be rented or lent.