The upgrade of credit card control came faster than expected. No, many banks have announced to further standardize the use of overdraft funds and close transactions in some regions.
Recently, China Agricultural Bank and other banks announced that in order to strengthen business compliance management and control non-consumer transactions. In this regard, people in the credit card industry who are familiar with the situation explained to the Shanghai Stock Exchange reporter that these measures are all aimed at returning the credit card business to the positioning of serving personal retail consumption. The closure of the credit card tobacco withholding transaction, which the market is concerned about, does not mean that individuals can't buy cigarettes with credit cards, but restricts the business behavior of relevant merchants.
Credit card is an important pillar of bank retail business. In recent years, the card issuance and transaction volume of various banks have continued to grow. However, it is followed by frequent problems such as the high number of complaints from cardholders, and the regulatory authorities have increased the number of illegal credit cards.
My credit card is overdue for more than 30 thousand years. I got a call from the economic investigation, asking me to accept the investigation. Is it necessary to go?
I just committed a similar credit card crime. The case was tried in the first instance for seven years, and the second instance was innocent, which should be able to answer your question.
First of all, if you receive a verbal summons from the case-handling organ, you must cooperate with the investigation, otherwise you may be forced to summon.
Secondly, if you are really suspected of committing a crime, accepting a verbal summons from the public security organ, actively cooperating with the investigation, and truthfully confessing, it can be considered as surrender in judicial practice.
Thirdly, you need to consult a professional criminal lawyer to verify whether your behavior constitutes a crime and whether there is room for remedy.
The last word of advice, take the initiative to go to the credit card issuing bank to communicate the repayment and then investigate. If there is any change in contact telephone number, home address, work address, emergency contact and other information, it is necessary to change the information retained by the credit card in time. If you refuse to answer the bank's dunning call for many times, you need to contact the bank as soon as possible, negotiate repayment and record it for evidence collection, or directly repay part of the arrears.
The most important feature of credit card crime is refusal to return it. If it is true that you can't repay it on time due to financial difficulties, at least you should take the responsibility and behavior of repayment, so as to show your sincerity in not evading and abolishing debts and avoid turning civil cases into criminal cases.
You ask your policeman's last name and alarm number, and then call him grandson directly and tell him what it's like to pretend to be a policeman.
It's really the turn of the economic investigation to investigate you. I'll call you. The easiest way is to arrest you directly and call you back?
You owe 30 thousand yuan, and it's your turn to be investigated by the Economic Investigation Bureau? You take yourself too seriously. People can't catch hundreds of millions of criminals. Take the time to find out how big your problem is and waste national resources.
Negotiate with the bank to solve the problem For example, if you set up an unsecured illegal credit card online, and it is a credit card advertised by the bank, I suggest you not return it. They will induce you to spend illegal online loans and pay for it!
If the credit card is overdue for half a year, it is impossible to receive a call from the economic investigation! I'll tell you my experience in handling nearly 100 cases of overdue personal credit cards. Are you sure that the so-called economic investigation call you received was a "real" call from the economic investigation brigade or squadron of the public security organ?
Why do you ask?
After the credit card is overdue, in the first accounting period (the bank credit card center takes three months as an accounting period), it has already decided what action to take against the cardholder. Most people above 95-98% will continue to receive calls, text messages, legal reminders and on-site verification until the creditor's rights are packaged and sold. Another 2-5% people may be attacked by banks, but this is a private economy and will not directly use public security forces. Only a few people will be taken away by J. Cha, pay attention! If you are taken away, J Cha will appear directly in front of you and won't call you at all! In this case, I collected three cases and can share them here:
One is that at least six years ago, a man in his forties, a private owner, lost his principal because of business failure, which led to the overdue credit card of CITIC Bank. More than 10,000 yuan was brought back to the office by J, a citizen of the jurisdiction, who claimed to be the Legal Affairs Department of CITIC Bank in the store. He was taken to a separate room on the second floor and ignored for several hours. Finally, the man (smaller) opened the window and ran away through the iron fence. I ran to a friend's house and hid for a while, then I did nothing and didn't pay back the money. But he himself said that he learned it from the Internet, and he was still a net escapee. For so many years, he has never been on a train or plane or stayed in a hotel.
The second one is also a man, about 40 years old. The couple run a clothing store and both have credit cards. Still citic. Last summer, it was still in the shop. At noon, when the man himself was in the store, it was CITIC Legal Affairs and J, a citizen of the jurisdiction, who took him to the office for questioning. Tell him to call home and pay. Finally, the next morning, my wife came back with 3000 yuan.
The third is a lady, in her thirties. The couple run a restaurant. They both have credit cards. Last autumn, a woman's Bank of Communications received a phone call saying that she could come to the local credit card center to negotiate repayment after three months overdue. The woman went, and was later called by the bank 1 10, and was taken away by the citizens in the jurisdiction. She also asked, saying that there was a suspicion of a credit card. The woman was frightened and called her husband. The man bought two cigarettes, and many people didn't come back until after 9 o'clock in the evening.
Talking about these real cases, I just want to explain that the high probability of receiving a phone call from the economic investigation is to receive fakes. If you go, the other party will call the police, contact citizen J of the jurisdiction and take you away. If you are not sure about filing a case, you can only be sick for 24 hours.
On the other hand, if you are really suspected of committing a crime and receive a verbal summons from the public security organ, then the other party will clearly tell you to actively cooperate with the investigation, and you must go directly to the public security organ, not elsewhere.
Through these cases, debtors are also reminded that after the credit card is overdue, they should treat it positively immediately and should not evade the problem. In particular, we should face up to the overdue from the heart and sort out our financial data. At the very least, you should be able to tell the bank how long the credit card has been used, how many bills have been paid, how much is it, how much is the last bill, whether it is in stages, how many installments have been paid before, how much is it, and so on. When communicating with the bank for the first time, you can make your own situation clear. I believe you will save yourself a lot of unnecessary trouble and deal with the problem naturally.
Don't go! Let the bank go by itself! Answer the key phone, don't admit that you can't afford it, just some problems. Pay back ten or twenty dollars a month and throw the contradiction to the bank. Evasion may be blamed. Remember, money owed to the bank is not owed to life!
I received it in January a few years ago. I was owed 26 thousand's principal, penalty interest and so on. Let me describe the situation to you first.
There are many words, all of which have just been experienced. All dry goods, no nonsense. I hope it helps you.
First of all, I am overdue on multiple platforms, and I don't answer many calls. If I answer them, I can't explain the problem, let alone solve it. That morning, my ex-wife called me with a number to contact me quickly. She is the emergency contact of my credit card, and he didn't make it clear who this person is. I called, and the man said he was from XX City Bureau, reporting to the audit center. Note that this unit has been confirmed by many parties and does not exist. Moreover, my household registration has long been in my current city, and the city where the "police officer" belongs is my birthplace. The "police officer" told me that I needed help in reporting the case. I would take an immediate family member to him for help in a day or two, and then give me a director of the Industrial Bank. I will contact you first to see if I can solve your arrears and let the bank withdraw the case.
The director of the bank also contacted me, telling me how to solve this overdue problem, and then helping me to withdraw the lawsuit, free of fines, and only paying attention to the principal.
In fact, there were a lot of questions at that time. I searched online to see if you had encountered such a situation. Besides, I have a friend of the police who is engaged in economic investigation. Check with me. That's a fake, which is a collection routine. But at that time, as a party, I didn't want to make a mountain out of a molehill, but wanted to borrow the hand of collection and let my family help me again, more or less. My final result was that my family took the principal for me, paid it back and deposited it at the bank counter.
My answer to you is that if you can pay him back, you can get rid of him, go to work at once and work hard. If you can't pay back the money, don't answer any calls. Don't believe in any routine. First of all, the police won't speak for the bank and ask you to pay back the money. In addition, if the single card does not exceed 50 thousand, there is no problem. You got it? If one day you come, sit down and make it clear slowly. But it must be true and sincere, not too persistent.
@ Coconut City Xiaopang, as a former account manager of credit card collection, told you that this call was threatened by an outsourcing collection company with a high probability. If it's really a telephone survey, I'll give you the address, and you can go over and cooperate and negotiate. As long as there is no formal case, you still have a chance.
For the general process of credit card collection, you can see my other answers if you are interested. The landlord asked me to get a call from the Economic Investigation Bureau to let the past cooperate with the investigation, which probably happened in the process of territorial expropriation. Generally, when there is no actual progress in local collection, we will use the landline that the unit does not often use for this operation, falsely claiming that it is the Economic Investigation Detachment of the Public Security Bureau or informing the debtor that the bank has failed to negotiate many times. Now we have waited for the routine and used the debtor's fear to collect again.
Of course, the landlord may also receive a call from the Economic Investigation Brigade, because the bank will really give the list of customers who want to report the case to the Public Security Bureau, and those who are willing to negotiate will have the last chance. I'm sorry, they really arrest people for credit card crimes.
Therefore, @ Coconut City Xiaopang sincerely advises everyone to spend reasonably, overdraw reasonably and cherish credit. If you try to solve it after the deadline, Lao Lai has no way out.
If the economic investigation calls you and asks you to investigate, you can go. What are you worried about? Your current overdue repayment is only a matter of personal repayment ability, and you have not committed a crime. Whether it is the economic investigation, the public security or finding you, you can respond to the lawsuit normally. It's no big deal, but you have more than 30 thousand credit cards, which are overdue for half a year, and you have added a lot of interest and liquidated damages. You really need to repay this debt to the bank, although the bank has more debt interest and liquidated damages. However, this situation can also be negotiated in stages. If you negotiate and communicate with the bank by stages, you must decide with the bank how many stages to divide and how much to pay back each month. That's it. As I have said many times, I suggest that if the debtor is overdue, he should settle the debt as soon as possible and negotiate the installment as soon as possible. Otherwise, if you ignore it for a long time, it will be overdue, and then the interest will increase, which will eventually lead to problems in your personal credit information. It's better to pay in installments as soon as possible, so I advise my father and men to actively negotiate if they are overdue.
It is recommended to record the whole process when answering such calls, which I have encountered. This is actually urging the company to impersonate its identity! Leave evidence to deal with him.
The man spent 12000 yuan to buy a pack of fireworks. How did he recover the overpaid money?
It was the shopkeeper who found that he had overcharged, so he contacted the other party and returned the money to him. According to media reports, it happened in Heilongjiang. The owner of a local grocery store found that there was an extra 12000 yuan in the mobile phone bill when checking out. The boss soon realized that a customer had transferred the wrong money. Then the boss contacted the police, and it took the police three hours to find the customer who transferred the wrong account from the video.
It turned out that the customer entered the wrong number when buying cigarettes in the store, so the money was transferred more. After confirming the identity, the police quickly contacted the customer and the boss successfully returned the money to the customer. It is still good that this matter can be solved smoothly. Especially after the boss found the bill was wrong, he took the initiative to contact the police and return the money to the customer, which deserves our praise. You know, if you still have a boss, you can pretend that nothing happened. And the boss took the initiative to refund the money without the customer's knowledge. This definitely proves that the boss is a principled person.
In fact, this kind of thing may often happen to us. The wrong money was transferred when transferring money, but the platform was not properly protected. Just like this incident, Pingquan can help the boss contact this user directly, but the platform does not provide this service, and the boss has to help the police solve this problem.
References:
When Mr. Luo from Luobei County, Hegang bought cigarettes, he mistyped the amount and swiped the card 12000 yuan. He didn't realize it at that time, and neither did the grocery store owner.
In the evening, when the boss was auditing the accounts, he found that the income of 12000 yuan was extra, and he suddenly broke out in a cold sweat. The shopkeeper quickly reported the situation to the police, and finally found the party through the police and returned the money.
The owner's failure to return evidence may even constitute a crime. This kind of situation belongs to the act of taking other people's property for the purpose of illegal possession and refusing to return it. Constitute the crime of embezzlement in criminal law. However, embezzlement is one of the few crimes in criminal law. Is to collect evidence and sue yourself. Neither the police nor the procuratorate is involved.
Is it illegal to buy cigarettes at a tobacco company with a credit card?
Buying cigarettes from tobacco companies with credit cards does not violate the consumption rules. Banks only lend money, and banks won't interfere with what they buy!
I used my credit card to refuel at the gas station and bought a pack of cigarettes. Can you find it?
You can use the credit card mobile APP or log in to official website, and click on the consumption details query. If it is reflected, it will be there. If it is not reflected, it will not exist.
The credit card owes 300 million for a pack of cigarettes. What are the risks of using a credit card?
Credit card, also called debit card, is a non-cash transaction payment method and a simple credit service. Generally, banks or credit card companies issue them to cardholders according to users' credit and financial resources. Cardholders don't need to pay cash when using credit cards, they can wait until after the bill. It can be said that credit card has gradually become a way of consumption for us.
But is it really safe to use a credit card? Recently, Mr. Wu from Chengdu went out to buy a pack of cigarettes. At that time, he used a credit card to pay the bill, but just after swiping the card, he received a short message from the bank, showing that the user had owed 311720168.39 yuan. Mr. Wu was also surprised and quickly contacted the bank staff to confirm. Later, it was found that it was caused by system upgrade, not ransomware, but it triggered a discussion about credit card security.
So what are the risks of using credit cards?
Magnetic stripe cards are easy to be
We all know that bank cards used to be magnetic stripe cards. Swiping a card on a POS machine or ATM machine will leave the magnetic stripe information of the bank card on the machine. For technicians who are familiar with the credit card production process, they can read the magnetic stripe information by looking at the service life, so it is not uncommon for credit cards to be stolen. But now many bank cards are upgraded to chip cards, which are relatively safe and can be replaced as soon as possible.
Easy to be stolen
Credit card Many people feel that the inexplicable credit card has been consumed, and some people have even been judged by the bank as a bad credit card. For example, one of my former leaders had his credit card swiped for no reason 1000 yuan, so pay attention to safety when using credit cards. For example, if a mobile phone bound by a credit card stops working, it should be replaced in time. At ordinary times, you should also turn on the security mode of credit card use and choose to sign and enter the password, because this can prevent the credit card from being stolen.
Bad credit record due to failure to repay in time.
Credit cards are for our convenience. You can swipe your card first and then pay back. But many times, the bank put a bad record on our credit record because we are overdue or even overdue. Credit is closely related to our life now. It has even been suggested that Alipay's sesame credit can be used as a basis for making friends, because if there is a bad record, his sesame credit will not be high. Similarly, now the society attaches great importance to credit, and buying a house will also require checking your credit history. Even when the bank lends money, you will look at your personal credit history. If you have a bad record, the bank loan will not pass. Therefore, when using credit cards, the most important thing to pay attention to is the problem of repayment, and we must develop the habit of timely repayment.
This concludes the introduction of men buying a pack of cigarettes, credit cards and men buying 56 cigarettes. I wonder if you found the information you need from it?