, you can contact Yang Anjiang, a lawyer in Jingxian County, at 138-65387862.
in order to control the overdue interest rate of credit cards, on the one hand, banks have begun to take measures, such as reducing the credit card quota to control the false transactions of cardholders. On the other hand, they also increased the collection of credit cards.
The bank's control over credit cards makes the cardholder's regulations on card use more stringent. The bank clearly stipulates the use of credit cards. A series of behaviors carried out by cardholders through banks, using informal trading channels or false means. The space for withdrawing funds from credit cards is gradually shrinking.
can I withdraw cash from Jingxian CCB etc dragon card?
CCB's ETC credit card can take cash.
at the same time, did the landlord take the extra deposit in your credit card (that is, overpaid) or overdraw it?
if the overpaid money is taken away, the local bank will not charge a cash handling fee. (Locally, it was taken in the administrative province where the credit card issuing bank is located. For example, the landlord's card is handled by Suzhou, the issuing bank is Suzhou Branch, and there is no cash withdrawal fee in Jiangsu Province. On the other hand, when withdrawing money outside the administrative province, there will be a withdrawal fee, which is .5% of the withdrawal amount, ranging from the lowest in 2 yuan to the highest in 5 yuan. In addition, no matter inside or outside the province, it is 2 yuan per card every day through self-service equipment. If the landlord's deposit is more than 2 yuan and needs to be taken out at one time, you should go to the counter to get it. )
overdraft withdrawal, the bank stipulates that the daily withdrawal of each card should not exceed 2, yuan, and the accumulated withdrawal fee should not exceed half of the credit card amount. The withdrawal fee is .5% of the withdrawal amount, with the minimum 2 yuan, and overdraft withdrawal does not enjoy interest-free period. From the date of withdrawal, interest of five ten thousandths of the cash amount will be charged every day.
for example, if the landlord overdraws 2 yuan, he will pay it back after 1 days.
total amount to be repaid = withdrawal principal, withdrawal handling fee and withdrawal interest.
= 22.5% 2.5% 1(1-day interest)
=211
=22 yuan
If the landlord has other questions, you can ask.
should I swipe my lover's credit card?
you shouldn't brush, because if you have emotions, it will lead to many problems.
Couples are addicted to cashing in with credit cards, and even make an absurd move of "keeping cards with cards". In the end, all 12 credit cards under his name were overdue, and he was unable to repay the arrears of more than 32, yuan, which also ruined his normal life. On June 2, Anhui Business Daily reporter learned from the people of Jixian County, Anhui Province that a few days ago, the hospital publicly pronounced a credit card crime, and the defendant Li was sentenced to five years and six months in prison for committing a credit card crime; Defendant Chen Mou was sentenced to two years and six months in prison for the same crime, suspended for three years; Both of them * * * returned all the bank principal * * totaling 324,129.84 yuan.
At the end of p>213, the defendant handed over the credit card he was using to the defendant Li, who withdrew the cash on his behalf. Defendant Li helped cash out and continued to carry the card with him to cash out. Due to the insufficient use of cash withdrawal funds, the defendant Li asked for a new card for cash withdrawal. I applied for six credit cards for Li in my own name for cashing out and raising the cards for fear of bearing the legal responsibility of overdue credit cards and worrying that my lover's relationship would be known to my family, but this still failed to maintain Li's high consumption and gambling habits.
265438+In July and August of 26, Li applied for two credit cards again through the app registered with his mobile phone number, which was used by Li after it was opened.
In addition, the defendant Li used four credit cards in his name to cash out the consumption. At the time of the crime, the defendant Li Zhiming had eight overdraft bank principals of 252,911.21 yuan for credit cards and four overdraft bank principals of 71,218.63 yuan for credit cards in his own name, totaling 324,129.84 yuan.
The judge told the reporter that credit cards do bring convenience to people's lives, but at the same time, credit cards should be controlled to ensure that the overdraft limit is within a reasonable range that they can repay. Chain overdraft and card maintenance will only encourage the bad habit of excessive consumption, which will eventually make it more difficult to pay off the overdue credit card chain and bear legal risks.
is it illegal to cash out credit cards? Will you get caught? (After reading the second one, I understand)
Cash withdrawal by credit card disturbs the normal financial order, which is illegal. Under normal circumstances, after the bank finds that the user's credit card transaction is abnormal (illegal cashing), it will generally take measures to seal the card or reduce the amount to curb this illegal cashing behavior. It is reported that the central bank is studying to record the cash-out behavior of cardholders in the personal credit information system, which directly affects their personal credit records. Because the credit card cashing behavior itself only violates the contract between the cardholder and the bank, and evades the obligation to pay the bank overdraft interest. If the cardholder does not refuse to repay or maliciously overdraw, it will be difficult to effectively restrain this kind of credit card cashing behavior.
if you don't pay back your credit card for more than 3 months after twice collection, you may be sentenced!
the Supreme People's Procuratorate's explanation on several issues concerning the specific application of law in handling criminal cases that hinder credit card management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after repeated reminders from the issuing bank, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Criminal responsibility should be investigated for credit card crime.
under any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law:
(1) knowing that there is no repayment ability and a large amount of overdraft cannot be repaid;
(2) Overspending overdraft funds and unable to return them;
(3) Escaping after overdraft, changing contact information and avoiding bank collection;
(4) evading or transferring funds, concealing property or evading repayment;
(5) using overdraft funds for illegal and criminal activities;
(6) other acts of illegally occupying funds and refusing to return them.
beware of people who help others cash out!
so much for the introduction of Jing Xian credit cards.