There are inexplicable credit cards in the CCB app that have not been processed and have not been received. It's time to go to the relevant bank as soon as possible to do information investigation, cancel and call the police in time.
There are bank cards that have not been done. Generally, it can only be the following situations:
(1) The first type is the salary card that your work unit handles for employees in batches.
(2) The second type is the bank card that the school handles in batches for students.
(3) In the third case, the bank card is processed under a pseudonym, and the credit card cannot be processed unless it is handled in person, as follows.
In the third case, if the identity is stolen, you should bring your ID card to the bank as soon as possible to inquire about the cancellation of the card and call the police in time to avoid economic losses.
Under normal circumstances, you should carry the original ID card when handling banking business. It is not effective to rely on only one copy. I think your original ID card was stolen.
Nowadays, the means of criminals are becoming clearer and clearer. No matter whether you use your ID card to apply for a credit card, you should call the police immediately, provide reliable and effective information to the police, and explain the situation to the bank, which will freeze the card.
Personal advice, in daily life, we must protect our personal information to prevent it from being stolen or stolen by criminals, especially identity information and password information. The security code must not be disclosed to others. Check the information and amount of the credit card when swiping the card.
Extended data:
Can I apply for a credit card besides myself?
1. The bank must be the person who handles the credit card, provide identity verification and sign for confirmation.
2. Principle of use: for personal use only, and it is not allowed to be lent to others.
3. If there is a large amount of overdue repayment when the bank calls:
(1) First, confirm whether it is the phone number of the bank credit card center, and then call the official customer service hotline to inquire about the situation.
(2) If it is really my credit card debt, then I need to inquire about the card handling information, including the time and place of card opening.
(3) If you have never applied for a credit card in our bank, you should bring your application identification information to the bank outlets to explain the situation.
(4) If the amount involved is large, the police need help to verify the signature handwriting on the application form.
Why is there a credit card?
With the development of economy and the need of large consumption, it also avoids the inconvenience of carrying it with you, and the credit system is also a policy pursued by the state.
A credit card suddenly appeared in my name. What happened?
1, maybe you forgot, if you don't need to log off.
2. If the ID card is fraudulently used, you can check other banks, and the found credit card will be cancelled immediately and contact the public security organ.
3. If there is no loan applied unintentionally, just cancel it. If there is a loan, contact the bank and the public security organ immediately.
Credit card overdue
1. First of all, if the credit card is overdue, there will be a late fee of 5% of the minimum repayment amount, and the bill will be fined in full. The average bank will calculate at 0.05% per day, and the interest will be compounded monthly.
2. Overdue records will be included in the central bank's credit information system, and overdue records will be included in the personal credit information report. Bad records will be kept for 5 years, and the overdue amount is large. If the overdue amount exceeds 3 months in a row, it will seriously affect future mortgage, car loan and credit card applications, and the future credit life will also be seriously affected.
3. If the credit card is not returned within the time limit, the bank will collect it. If it is not returned for more than two times, it will be directly handed over to the collection company. If you still insist on not returning the credit card, the bank will freeze the credit card and blacklist the cardholder. The bank will automatically cancel the card until the debt is paid off.
4. If the overdue amount is large, the bank will enforce the credit card of the direct cardholder and maliciously overdraw it. If you refuse to repay in the future, you will bear civil or formal responsibility. According to Article 196 of the Criminal Law of People's Republic of China (PRC) and related judicial interpretations, if a credit card holder takes possession illegally and the amount is more than 5,000 yuan, it constitutes a credit card crime and will be executed in accordance with the criminal law.
How to eliminate overdue records of credit cards
1. 1. Pay off the arrears and overdue related expenses.
2. Continue to use this card.
Article 16 of the Regulations on the Administration of Credit Information Industry: The retention period of personal bad credit of credit information institutions is five years from the date of termination of bad behavior or incident, and it will be deleted if it exceeds five years. The records displayed by bad credit cards only show the records of the past 24 months. After the deadline, the best way is to continue to use this card and overwrite the original negative record with a new repayment record. A new credit record will be generated after 24 months, and personal credit will not be affected after refreshing the record.
Step 3 don't run away
Long-term overdue will not only generate interest, but also have a high late fee. If you run away, the bank will think you overdraw maliciously and call the police.
4. Timely and full repayment and explanation.
Those who forget to repay due to negligence must repay in full and on time after the deadline. Then call the bank to explain that you are not maliciously overdue, and usually the bank will help you eliminate the overdue record.
I didn't apply for a card at CCB. Why is there a card?
If you think you didn't apply for a card but are told that you have a bank card, there are several possibilities: 1, you forgot to apply. You can call 95533 to see if it's your message. 2. Someone used your ID card to handle a credit card without telling you. The bank staff handled the credit card for you.
I didn't apply for a bank card.
If you think you didn't apply for a card but are told that you have a bank card, there are several possibilities: 1, you forgot to apply. You can call 95533 to see if it's your message. 2. Someone used your ID card to handle a credit card without telling you. The bank staff handled the credit card for you.
You can apply to the bank for cancellation with valid identity documents. If the credit card is in arrears, it cannot be cancelled. As long as you check the credit card consumption record and prove that you have an alibi when the consumption record is generated, you can report it to the public security organ for the record, and then apply to the bank for cancellation. Why do you have to file with the police? Because the bank can't tell whether you used the credit card under your ID card, and the bank doesn't want to lose interest. If it is not directly requested by a third party, it will often be delayed, and eventually it will generate high interest, which may eventually lead to unnecessary losses after coordination. Therefore, you must report to the public security organ for the record as soon as possible, so that the public security organ can identify the evidence and prove that you are a victim. There is no reason for the bank to delay your application for account cancellation.
Second, cancel the bank card.
You can cancel your credit card by calling customer service. The specific process is as follows: 1. Call the credit card center of the issuing bank to access the manual customer service. Tell him the card you want to cancel, and the other party will check your information with you routinely and ask you why. The customer service will tell you that your request has been accepted. Please unscrew the magnetic stripe on the card yourself. 4. The customer service will finally inform you that if you have consumption or late payment from the last billing date to today's cancellation date, you should pay attention to next month's bill and make repayment. Precautions for credit card cancellation: Credit card cancellation is completely free. The cancelled credit card can be kept or cut and discarded, and the bank will not ask you for a card again. Under normal circumstances, it takes 45 days for the bank's credit card cancellation application to take effect. When canceling the card, you need to cut and scrape the magnetic stripe to avoid being stolen.
Bank cards can usually be divided into savings cards and credit cards. When the general savings card is not used, you only need to take out the money inside, and you don't need to cancel it. If it is not cancelled, it will have no impact on individuals. The credit card being used can be cancelled through the bank counter and telephone banking, and the cancellation needs to be handled at the bank with personal ID card and bank card. Before canceling the credit card, it is best to pay off the arrears in the card and ensure that there is no overpayment. Also, the number of swipes reached the annual fee-free requirement, and there was no overdue repayment record two years before the cancellation of the credit card. If there is, it is best not to cancel. It's best to get rid of the credit card points before canceling the credit card. After all, points are earned by credit card consumption. Credit card points can be exchanged for many commodities in integral mall, and can also be deducted for cash use. Don't waste them in vain. If you have other credit cards in the same bank, you can transfer the points to other cards. Whether the points can be transferred to different banks is different. After the credit card is submitted for cancellation, it cannot be used. If you swipe your card, the cancellation will fail. Generally, 45 days after submitting the application, you can call to check whether the credit card has been cancelled successfully. If not, you can consult the specific reasons and continue to cancel after correction.
Why do credit cards harm people?
Why do credit cards harm people?
Although 900 million credit cards seem to be less than one for each person, you should know that most of these 900 million credit cards are used by young people, so on average, everyone has two or three, and I have six credit cards myself.
The maximum credit line is 9 1200.
I usually use my card according to my own ability, and I won't spend more money. Credit card points can also be exchanged for things, which is a good thing. Therefore, in view of the harm caused by credit cards, my opinion is that credit cards can be used, but they cannot be abused beyond the repayment ability. If you use a credit card to spend in advance, you may brush out the money in other credit cards to repay. It is very unwise to rob Peter to pay Paul, which leads to more and more debts, because the late payment fee for the citation card is very high.
The final conclusion: Whether the credit card is harmful to people depends on the situation. For people who consume reasonably, it is not only harmful, but beneficial. For people with poor self-control, people who spend in advance are not good, which will lead you into debt crisis. If you feel that you are a person with poor self-control, I suggest you don't apply for a credit card first, and put an end to it from the source.
It is one-sided to say that credit cards harm people. Credit card Credit card focuses on reasonably grasping the word "credit". Many people think that credit cards are harmful because they go further and further on the road of overdraft credit, which leads to their own disaster and is burdened by "credit". It was later concluded that credit cards hurt people. This view is actually one-sided, which only shows the negative results brought by the unreasonable use of credit cards.
There is no right or wrong in the credit card itself. Whether a credit card is harmful or not lies in the people who use it. Credit cards exist objectively, without any thoughts, and will not harm people actively; In other words, if you use a credit card, you will be there. Before you use a credit card, it won't hurt anyone. When you use a credit card, you are likely to harm people because of the subjective thoughts of users.
From the origin of credit card, we know that the emergence of credit card is also a very great invention, which can not only solve people's urgent needs, but also make a certain degree of consumption, so that people can gain a certain sense of security; From the point of view of credit card, its fundamental purpose is to facilitate people's lives.
Credit cards harm people because they overdraw their credit in the process of using them, that is, they overdraw maliciously and fail to overdraw their credit cards according to their own abilities. , leading to the inability to use credit cards in a benign way, and eventually being overwhelmed by overdraft debts, resulting in the illusion that credit cards are harmful. As long as you use credit cards reasonably and manage your own credit, you can make credit cards serve you better.
People must use credit cards instead of credit cards.
So it is very important to study the subject, predicate and object.
First, the subject needs to be confirmed. Obviously, people are the main body.
The predicate is action, that is, use.
The object is the object, and the object here is the credit card.
The essence of people using credit cards is.
Then some people use credit cards correctly. For these people, credit cards will only help them live a better life.
Others, however, maliciously overdraw the credit card limit, taking it for granted. Once the desire is opened, it cannot be closed. As a result, they will handle all kinds of credit cards, and they will take out as many loans as possible, for nothing but eating, drinking and being away from home, which makes people feel that it is the vanity of the rich. But after all, it is vanity and falsehood, and the money belongs to the bank. Banks will discover the fact that their credit is low sooner or later.
If we find out, we will say the opposite. Credit cards hurt people.
But in fact, I will always be myself.
Uncontrolled desire is the only way to darkness.
I have a deep understanding of the dangers of credit cards. Several years ago, it almost ruined my sister's family life.
At that time, my brother-in-law had just resigned from SF, and he had been looking after his sister's children at home since he didn't find a suitable job for some time, but her sister also resigned because of production. Both husband and wife are idle at home and have no income, but the expenses here are huge: the newborn child needs to spend money, the mortgage needs to be paid, and various living expenses need to be paid. It is not enough to rely on their previous savings. Postpartum anxiety and life anxiety make my sister particularly uncomfortable. At that time, they always quarreled. My sister criticized my brother-in-law for not making progress, staying at home and playing with his mobile phone every day instead of looking for a job. My brother-in-law kept silent and answered with silence. Later, my brother-in-law told my sister that he had found a job, saying that he was working in a real estate company, with 3000 yuan a month, five insurances and one gold. Sister is very happy to hear that. Although she doesn't earn much, it is also an income, which somewhat relieves the pressure of life. I didn't expect this at all.
One day two years later, a bank worker came to collect debts, saying that my brother-in-law owed them hundreds of dollars with a credit card and asked my sister to pay back the money immediately. My sister was frightened and didn't know anything. Later, she called her brother-in-law to ask, only to know that his brother-in-law had no job in the past two years, and the money he took home was overdrawn from her credit card ... Later, my sister borrowed money from her mother-in-law, mother and friends, and finally got enough for those hundreds of dollars.
If the credit card is screwed up, once you don't pay back the money, you will be credited and affect you. Credit card is to let you spend in advance and pay it back sooner or later.
Because this concept of advanced consumption is not suitable for everyone, some are extravagant and like to spend in advance, eat, drink and shop.
Travel and everything, love credit cards. If you can repay the loan on time, it's nothing, and you are afraid of such catastrophes as COVID-19 epidemic and financial crisis. No income, how to repay? If you can't pay back, you start robbing Peter to pay Paul. That's where it will be abnormal, so that's where the damage comes from.
Remember: credit cards are not for everyone.
Is the credit card a good thing or a pit? This varies from person to person, but also depends on how to use the credit card. Good use is a convenient good thing, and bad use is really a pit. More importantly, credit cards do have some loopholes.
First of all, the function of credit card is becoming more and more perfect, and it has become an indispensable tool in people's daily life.
In the early days of credit card development, we heard the slogan: "One card in hand, travel all over China". Later, with the development of UnionPay, China's credit card environment abroad became better and better, and the slogan also evolved into "One card in hand, travel all over the world". It can be seen that the emergence of credit cards has greatly facilitated the use and consumption of consumers.
In reality, the rapid development of credit cards is also due to the advance consumption function of credit cards, that is, the overdraft function.
From the concept of credit card, credit card is essentially a bank card with certain functions of overdraft, cash withdrawal and lending. It is a credit certificate issued by commercial banks or credit card companies and issued to some qualified consumers with a certain credit limit.
Credit card holders can overdraw to a special commercial service department for shopping or consumption within the prescribed limit, and then the bank will settle accounts with merchants and cardholders.
China (Interpretation of NPC Standing Committee on Credit Card Terms in People's Republic of China (PRC) and Criminal Law in People's Republic of China (PRC)) stipulates that the so-called credit card refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
Because credit cards can be consumed in advance within a certain credit limit, they have saved a lot of cash deposits and withdrawals in the past, and they can be repaid in advance, which provides great convenience for consumption.
At present, credit cards have developed into the following functions:
First, the direct shopping and consumption function, which is the most basic function of credit cards, is also the earliest function for people to contact credit cards. Although it is now impacted by Alipay and WeChat, credit card shopping consumption still occupies an important position;
Second, the accumulated large-scale shopping consumption can be paid in installments, and the accumulated large-scale consumption bills can be repaid in installments, which delays the repayment time, but it is essentially equivalent to a lending behavior;
Third, the overdraft cash withdrawal function within the credit line can withdraw cash within a certain credit line to meet the urgent need for cash at home and abroad;
The fourth is the pre-authorization function before consumption liquidation. The most commonly used function is to freeze funds at the time of hotel check-in, and to complete payment or unfreeze when closing the account after consumption.
Fifth, the foreign exchange settlement function after overseas shopping and consumption can be repaid directly in RMB;
Sixth, micro-credit function, many credit cards have this function, such as so-and-so money, so-and-so money, and some even call it "karate", which is an act carried out within the credit limit of personal credit cards.
Seventh, participate in various shopping and consumption preferential activities, some shopping coupons, and some consumption discounts. In short, use various activities to attract cardholders to shop and spend;
Eighth, the point accumulation function, many credit card shopping consumption can accumulate points, these points can be exchanged for gifts or even cash.
Therefore, it is no exaggeration to say that credit cards greatly facilitate the life of cardholders.
Secondly, from the analysis of the reasons of cardholders, why do many people say that credit cards are harmful pits? What are the harmful pits of credit cards?
Many people say that credit cards are a pit, which is harmful to people. There are cardholder and credit card traps.
From the cardholder's point of view, what harm does credit card have?
First, because overdraft doesn't cost their own money, some people have no credit awareness of the overdraft function of credit cards, and lack of rational consumption leads to overdraft exceeding their spending power.
Although we all know that credit card overdrafts must be repaid, there are still some people who only care about what they bought in buy buy, and even bought some expensive and unnecessary things, thus losing their consumption rationality and regretting when repaying.
A friend went to Hong Kong for the first time, and shopping after eating, drinking and having fun became a big process. Because he used his bank's credit card, he bought all kinds of shoes and bags, and counted them when he got home, which was 654.38+ 10,000 yuan. Only then did he feel that repayment was a great burden, and he regretted his irrational shopping behavior.
This kind of excessive shopping behavior caused by not spending their own money is indeed caused by credit cards, but the fundamental reason is that credit card holders lack rationality in credit and cannot throw the pot to credit cards. In fashionable words: no credit card back for this pot.
Second, because the credit card overdraft limit is controlled by the bank itself, it is easy for people who hold multiple credit cards to cause the credit limit to be too large, and the excessive overdraft of credit cards makes it unbearable for cardholders. The so-called "card slave" refers to this kind.
A friend said that his credit card 12000 was overdue for more than a year. What should I do now because I can't pay it back?
Nowadays, there are more and more such problems, which shows that this problem is getting more and more serious and has even affected the normal life of some people.
Credit card issuers do not have a total credit limit for credit card holders, so the overdraft limit of credit cards in various banks is not very large. However, if there are many credit cards, such as some people holding more than 10 credit cards, if the credit limit of a credit card is 50,000, it will be more than 500,000, and some credit cards have an overdraft limit of more than 2 million, resulting in the overall credit limit of credit cards being too large.
The overdraft and loan functions of credit cards are becoming more and more powerful. By the end of 20 16, the balance of credit card loans in China accounted for 3.8 1% of the total loans. Excessive overdraft of credit cards has also become a worldwide problem.
According to news reports, the data reported by Canstar, an Australian financial services company, shows that the average overdraft of Australian credit card customers is 1.883 yuan, and the overall card debt of Australians is 501.300 million yuan, of which about two thirds, or 301.400 million yuan, need to pay interest. In our country, it often happens that people become slaves due to excessive overdraft, and some even have their families destroyed.
Third, keeping cards with cards has become a part of people's way of life, which leads to some so-called "keeping cards with cards" people at a loss.
I don't know when it started, and keeping cards with cards has become a part of people's lifestyle. Even online, people often discuss how to realize financial freedom by raising a card, or live a happy life without going to work.
Some netizens asked that the credit card has owed more than 400,000 yuan before and after, and there is no ability to pay back the money. Will you go to jail?
Many people can apply for credit cards from many banks, or even all banks if you want. However, due to the competition between banks, sex and the total amount of credit cards are not prohibited. However, due to various reasons, some people even think that the credit card quota is too convenient to use, so many credit cards are burdened with card debts, and then fall into the so-called "keeping cards with cards".
What is "keeping a card with a card"? As the name implies, cardholders use the credit lines of multiple credit cards. Because the credit card repayment time of different banks is different, you can use the repayment time difference to repay the debt of another credit card with the credit limit of one credit card. In the end, it seems that there is no money, just credit circulation.
It is precisely because of this beautiful bubble flower that some people fall into the wonderful illusion of raising cards by cards.
Third, the pit designed by the credit card itself, which pit will really pit you? The following pits must be taken seriously.
Is there a hole in the credit card Of course there is. So what pits are there? There are many pits, but the following three pits must be paid attention to and valued:
First, the various interest rates of credit cards are very high, and they accidentally fall into the trap of high interest rates.
There is no interest on timely repayment of credit card overdraft, but if you apply for a credit card loan, it is a relatively high interest rate.
Take the credit card loan of a commercial bank as an example, the minimum application amount is 2,000 yuan, and the cumulative maximum application amount is 50,000 yuan. The repayment bases of credit card loans are 3 installments, 6 installments, 10 installment, 12 installment, 18 installment and 24 installments, and the first installment fees are 0.95%, 0.8% and 0.75% respectively.
The interest rate of 9% credit card loans is relatively high, and some will even reach 15%, while others will reach 18% or more.
The maximum loan amount of a bank's credit card is 50,000 yuan, the application amount is an integer multiple of 100 yuan, and the minimum 500 yuan, which can be repaid in installments of 3, 6, 12 and 24 months.
Second, don't use a credit card to withdraw cash from the pit, because the charge is too high.
Everyone knows that credit cards can overdraw shopping expenses, but the bank will tell you that credit cards can withdraw cash when necessary.
So, do you know the pit of credit card withdrawal?
No matter which bank, there are two charges for withdrawing cash by credit card. One is the cash withdrawal fee, which is 0.5% at a time. If 1 000 yuan is taken as an example, a one-time handling fee of 5 yuan money will be charged first. Then five ten thousandths of interest is charged every day, and the annual interest rate is equivalent to 18%. Is it a big profit pit?
Third, although credit card installment doesn't charge interest, the handling fee is still used if you want, as long as it is used, it will be expensive.
Everyone will receive SMS or WeChat from the bank recommending credit card installment, and some even emphasize that credit card installment does not charge interest, but you must be careful, the installment interest rate is very high. If you want to use it, you must bear the trap of high cost.
A bank charges credit card cash in installments, with an annual rate of more than 15%.
Some banks charge a one-time handling fee. For example, if the bank pays a 2.4% handling fee in one lump sum, the annualized rate will reach 9.6%. If you make six cash installments, you need to pay a one-time handling fee of 4.2%, with an annualized rate of 8.4%. Moreover, due to the monthly cash repayment, the actual annual interest rate must be slightly higher than 8.4%, which is much higher than the normal loan interest rate.
The fourth is the credit card overdue trap. Once the overdraft is overdue, it will be severely punished and may even be sanctioned by law.
Some people have no scruples about spending money, they are short of money when they repay, and once they are overdue, they will lose everything.
Not only do you have to collect late fees, but you also have to collect five ten thousandths of liquidated damages every day, which is basically equivalent to the annualized interest rate of 24%. Is it very high?
You don't have to wait until you fall into it to understand the various pits of credit cards. As long as you are not greedy, rational consumption, and careful of all kinds of overdrafts, you will certainly not be trapped.
The credit card itself does not harm people, and what is hurt is often that the person who uses the card does not know the credit card himself. It is a double-edged sword, and it will hurt yourself if it is not used well.
There are often several reasons for being hurt.
First, unrestrained consumption in advance.
The monthly salary is 3 thousand, but the monthly consumption is tens of thousands, which is overdue because of the inability to repay in time.
Second, cash out
Third, I don't know credit cards, thinking that borrowing them will be fine. I have a wonderful work here. I set up a card with a quota of 50 thousand, emptied it at one time, and then threw it away As a result, it is conceivable that he went to prison and lost his job.
Four, the loan investment without loss, no overdue, no illegal or bad debts.
In short, you can't blame the card, blame the weirdo. Human desire is the most harmful.
If you don't want to be hurt, you should learn the knowledge of credit cards, starting with the knowledge of card handling, card use, repayment, card type, card number, and card maintenance methods, so that you can become a card slave and fall in love with credit cards.
You accidentally cut your hand while cutting vegetables. You said the knife was too sharp.
You accidentally bit your tongue. You said it was a tooth problem.
You must blame each other for your problems, you will never succeed in this life.
For more than 20 years, I prefer to pay by credit card instead of various mobile phones. Why? Because it is convenient, because there is a rebate when I use it, because it can improve my credit score.
It is easy for people to have the illusion that consumption is stress-free, and to have the impulse to buy and talk about consumption. For what you need in front of you, the only reason to firmly control your desire is weakened by the convenience of using credit cards. That would be dangerous. Under the vicious circle of continuous consumption, the hole of arrears will become more and more huge, and only you know the depression after the final chic.
The introduction about why there are credit cards and why some people have many credit cards ends here. I wonder if you have found the information you need?