1. It is illegal to buy and sell bank cards.
Bank cards and their accounts are only used by cardholders approved by the issuing bank, and may not be rented, lent or sold. Buying and selling bank cards violates the bank card and account business management system. If it is accompanied by illegal acts such as illegally holding a large number of bank cards and buying and selling resident identity cards, according to the relevant provisions of the Criminal Law and the Resident Identity Card Law, it will also be suspected of obstructing credit card management and buying and selling resident identity cards.
Second, the main illegal acts of buying and selling bank cards
There are many ways to buy and sell bank cards at present. For example, through online shopping malls, commodity trading platforms, blogs, mobile phone text messages, etc. , "advertising" information released to buy and sell bank cards, ID cards, online banking U shields, mobile phone cards, account opening materials, etc.
Third, the main hazards of buying and selling bank cards
1. China's bank cards are issued in real-name registration system, and the bought and sold bank cards may be used for money laundering, fraud, tax evasion, bribery and other illegal activities, which will not only disturb the normal social order, but also bring huge legal risks to the real-name holders of bank cards and even bear criminal responsibility.
2. Once the illegally sold bank card has credit problems such as overdue repayment, it will eventually be traced back to the core account, resulting in damage to the real name credit of the bank card and even joint liability.
A lot of personal information is stored in the bank card. Once leaked, there is a risk that personal information will be used by criminals and even lead to the loss of personal funds.
Four, the cardholder should pay attention to the main matters in the process of using the bank card.
1. Take good care of personal identity documents, bank cards, online banking U shields and other account access tools, and do not rent, lend or sell them. It is necessary to protect personal information such as login account number and password to avoid economic losses and bear legal responsibilities.
2. Bank cards that have not been used for a long time should be cancelled in time, and the magnetic stripe and chip of the card should be damaged and cannot be discarded at will.
3. Once the crime of buying and selling bank cards and identity cards is found, it shall be reported to the public security organ in time, and cooperate with the public security organ or the issuing bank to do a good job in investigation and evidence collection.