Cardholders must firmly establish a good sense of security and never lend, rent, buy or sell bank card accounts and payment accounts such as WeChat and Alipay.
On the other hand, cardholders should also enhance their awareness of personal information protection and risk prevention, strengthen their awareness of self-protection in bank account password setting and account login management, and properly keep bank cards and card information, passwords and dynamic verification codes to avoid giving criminals an opportunity.
Anyone who rents, sells or lends his bank card or telephone card is suspected of telecommunication network fraud and other illegal crimes, the public security organ will investigate the legal responsibility according to law and take disciplinary measures. Disciplined individuals will be included in the list of untrustworthy users and may not open new bank accounts within five years. It is not allowed to handle all non-counter business and payment account business such as WeChat and Alipay, and it is not allowed to open a new network card.
Besides bank cards, what else can't I lend to others?
Therefore, items involving any personal information should not be lent out at will, and acquaintances should be vigilant. Even a bank card may be the door to prison.
First, the medical insurance card
First of all, it is illegal to borrow a medical insurance card, which belongs to insurance fraud. Because the money in the medical insurance pooling fund is the insured's money, you lend your card to people without medical insurance, which means you are defrauding medical insurance. If the circumstances are serious, criminal responsibility may be investigated.
Lending the medical insurance card to others may leave a bad treatment record in your medical insurance record, which will have a certain impact on buying insurance and loans in the future. Medical insurance records are an important basis for insurance companies to settle claims. If the medical insurance card is illegally lent to others, the insurance may refuse to pay.
Second, private cars.
Lenders need to bear great legal risks when lending motor vehicles to others at will.
According to the Supreme People's Court's Interpretation on Several Issues Concerning the Application of Law in the Trial of Road traffic accident compensation Cases, the borrower should also bear legal responsibility under the following four circumstances: knowing or should know that there is a defect in the motor vehicle, and this defect is one of the reasons for the traffic accident; Knowing or should know that the driver has no driving qualification or has not obtained the corresponding driving qualification; Knowing or should know that the driver cannot drive a motor vehicle according to law because of drinking, taking psychotropic drugs or narcotic drugs under state control, or suffering from diseases that hinder the safe driving of motor vehicles; Other motor vehicle owners or managers shall be deemed to be at fault.
I am the owner of this car. If I lend it to others, I will be jointly and severally liable for any accident. Don't bring yourself unnecessary trouble for a moment's affection. If I lend it to someone without a driver's license, I will really regret it.
Third, identity cards.
Lending an ID card is illegal. According to Article 16 of the Law on Resident Identity Cards, anyone who rents, lends or transfers a resident identity card shall be given a warning by the public security organ and fined not more than 200 yuan. There are many potential dangers in borrowing your ID card, such as others using your ID card to apply for a credit card, transfer a car, and register a company. Such as malicious overdraft of credit cards, legal disputes involving vehicles, bankruptcy of companies in debt, etc. , it will cause a lot of trouble to the original owner of the ID card, and it may also break the money or bear legal responsibility.
Fourth, the mobile phone card
Many people think it is useless to keep their idle mobile phone cards and bank cards, and they can sell them for a few dollars. But I don't know, if the acquirer uses the acquired card to commit information network crimes such as telecommunication network fraud and opening online casinos, you may also become an accomplice of criminals and a tool of crime. Not only will you face credit punishment, but you will also be blacklisted by banks, unable to obtain loans, and you will also face the risk of being jailed for suspected crimes!
Buying, selling and renting bank cards and mobile phone cards all provide money laundering transfer for criminal suspects who commit online gambling or telecommunication network fraud, and bleach gambling or cheated funds through multiple multi-level transfers until the police can't trace the flow of funds. This behavior violates the crime of helping information network criminal activities (referred to as the crime of helping letters).
Fifth, mobile phones.
The existing smart phone is our huge privacy library, which contains countless chat records, photos, browsing records and so on. If you are not careful, you may expose some secrets that you don't want others to know
In addition, most people's mobile phone software often bundles bank cards and opens money-related businesses such as Alipay. If someone borrows their mobile phone, please be careful and beware of "losing money". Even second-hand mobile phones should be lent out after they are completely disposed of.
To sum up, when you lend something to others, you should pay attention. Don't lend things that you can't easily borrow, or you will cause avoidable troubles and losses to yourself, and it's too late to regret it.