My Credit My card

Credit card consumption is convenient and fast, http://www.aliyun.com/zixun/aggregation/18286.html "> Card consumption is a fashion and mainstream." In addition, credit card consumption can increase the credit limit, for personal loans are very good. However, some people will use credit cards for illegal cash, and some even malicious, credit cards have become a card holders in exchange for money tools. The credit card investigates its origin, mainly is provides the credit guarantee service for the convenience people consumption, is not specially for the overdraft to present. Credit cards are not personal ATMs, and using credit cards for illegal cash is not permitted by law.

Credit card is called "credit" card, the word "credit" is its fundamental. Use must be based on credit, regardless of the card or repayment, must abide by the rules of credit, this is the foundation of the card, but also the obligations of cardholders and should be responsible. Credit is related to a person's life, sincerity as the root, to the letter-oriented, people without faith and not stand. Although China's personal credit system has been in use for 3 years, there are still imperfections in many areas, and most people do not even feel the importance of personal credit. However, with the continuous progress of social civilization, each individual economic behavior will be recorded and fully promote or restrict its future activities.

Credit card consumption is a small credit, malicious in the name of consumption from the bank to get loans, to some extent suspected of fictitious facts of the loan fraud. The payment of the legal amount will constitute the crime of credit card fraud, and if the cardholder is using a forged, altered or fraudulent credit card with another person to do so, the legal amount will also constitute the offence of credit card fraud. If the current person refuses to repay, it violates the criminal law of malicious overdraft provisions, the maximum can be sentenced to life imprisonment. The illegal behavior not only makes the individual pay the huge price, but also brings the commercial risk to the bank, causes the harm to the society.

In May, the People's Bank of China and the CBRC issued a notice that the cardholder and the commercial tenants to provide a set of existing services is an offence, and financial institutions will jointly trade and industry and public security departments to carry out severe crackdown and treatment. UnionPay for this issue using a special system to guard against the transaction, tracking the transactions, once found that an account has suspicious transactions, the account and the identity of the corresponding person will be included in the "blacklist." At present, each bank has begun to form a linkage, suspicious account "blacklist" will be shared. Once included in the "blacklist", its future in the bank card and credit lines, and even loan approval will be affected.

Not only that, the credit card through illegal intermediary is still very high risk, illegal businesses may use the process for cardholders to steal personal account information, and such transactions are underground transactions, without any evidence, once the consequences of the problem can only be borne by the cardholder, the ultimate victim or cardholder himself.

The practice of defying the defy is certainly discouraged, while surfing or shopping should also be vigilant. The use of various illegal means to steal user personal information is not uncommon. Therefore, the choice of a high security, the risk of strong control of the payment platform is of paramount importance to us, to protect their vital interests, to avoid worries. Fortunately, the current domestic mainstream payment enterprises in the security control level has been improved, including some excellent electronic payment enterprises. Like IPs, an anti-fraud system is launched against net bank fraud and credit card problems. Through continuous improvement of risk control system to protect the information security of merchants and users. Last October, IPs first passed the DSS certification of the highest safety standards in the industry.

Properly use and pay attention to network security, protect "my credit my Card".