With the rapid increase in the number of people applying for credit cards, more and more people want to know about credit card loans. How to borrow an empty credit card? This is a problem that many people care about, but they are not sure. Here is a detailed introduction for everyone.

Is it okay to use a credit card for empty loans?

Empty credit cards can be used for loans. For example, an empty credit card installment loan refers to applying for an installment loan for shopping when the credit card limit is running out. You can choose the installment repayment method of 6 months or 12 months, and the bank interest is free, and neither of them occupies the original credit card consumption limit. (The cardholder has no record of overdue repayment in the last 3 months).

How to borrow an empty credit card loan?

Empty credit card loans are handled in the same way as regular credit card loans. You can apply directly online or at the counter.

What is empty credit card cash withdrawal?

Credit cards, I believe many people have more than one. Generally speaking, credit cards have a relatively fixed amount of use. As we all know, the credit limit of a credit card is approved by the bank. How can you say it will change? How can a credit card with a used-up limit withdraw more cash than the multiple of the limit?

Conventionally, it means that the cardholder swipes the credit card limit of your credit card in full through multiple cash withdrawals or other institutions, and then the cardholder immediately gives you cash. This method requires a handling fee ranging from 1.5-3%.

And "empty card cash withdrawal" is to withdraw cash from your credit card when your credit line is used up, and the amount obtained can be several times that of your credit line. Credit card management loopholes have now become a tool for some people to collect money.

The key to swiping a card is to drill holes. Originally, the middleman used the installment amount (the amount has been spent) given by the bank to the cardholder to make false consumption through the pos machine, helping some people who are in urgent need of cash to quickly convert the installment amount in the credit card (generally 1 to 50,000 yuan) into cash, and charge a commission as high as 17%-25% from it.

Because this kind of false consumption is an integer overdrawn by the cashier before, if the consumption data displayed on a POS machine is always an integer, it will be included in the suspect list. But now middlemen are becoming more and more "smart" and rarely brush integers, which is difficult for banks to find. It doesn't matter if you just swipe your card. You can't withdraw cash. These middlemen are generally inextricably linked with the finance and executives of large shopping malls, because only in this way can they get bank loans smoothly.

In the past, it was mainly achieved by "organizing" credit cards with fake identities. Intermediaries have done a lot of false work for some purses, handling a large number of credit cards, cashing in credit cards and obtaining liquidity in their hands.

For example, suppose a man and b man agree to use a credit card with a limit of 8,000 yuan to withdraw 8,000 yuan in cash at a large chain electric supermarket in the city.

After entering the shopping mall, man B wisely went to the digital products counter, directly selected three digital cameras with a total value of about 8,000 yuan, and instructed the salesman to fill out the bill for1February installment payment. Because according to the regulations of the relevant banks, installment shopping can temporarily increase the credit limit by 2 times, which is exactly the amount he uses his credit card to withdraw excess cash.

Through the operation of man B in the supermarket, he finally took out more than 9,000 yuan in cash with a credit card with a limit of 6,000 yuan, but the price was also amazing. For more than an hour, man B charged man A a so-called handling fee of more than 2,000 yuan.

Credit card is essentially a small credit loan, and the essence of empty card withdrawal is that the intermediary colludes with the cardholder to maliciously withdraw a certain amount of loan from the bank in the name of consumption. This is suspected of fictitious loans to some extent. If the cashier refuses to repay, it also violates the clause of malicious overdraft in China's criminal law, and the maximum sentence can be sentenced.

According to an insider in the banking industry who asked not to be named, at present (2009), there are tens of millions of personal consumption loan customers in every domestic bank. It is impossible for banks to track the loans of so many customers one by one, and many installment payments are automatically generated by banks according to their previous credit records. In order to increase the market share of credit cards, many banks do not strictly control the issuance of credit cards, resulting in some people not having the ability to repay credit cards, and these people are likely to become the "protagonists" of empty card withdrawals. The loopholes in the management of credit cards and POS machines are the key reasons for the opportunities.

The staff of China UnionPay 955 16 Customer Service Center said that "empty credit card withdrawal" is an illegal act. It is hoped that the cardholder will call the UnionPay customer service line to withdraw cash, and UnionPay will cancel the qualification of special merchants according to the investigation.

It is understood that as early as April 2006, the People's Bank of China and the Banking Regulatory Commission of China issued the Notice on Issues Related to the Prevention of Credit Card Risks, clearly stipulating that it is illegal for cardholders to withdraw cash and merchants to provide cash withdrawal services, and requiring financial institutions to jointly crack down and deal with it with the departments of industry and commerce and public security.

It is understood that since June 5438+ 10, 2006, the central bank officially launched the personal credit information system. Failing to pay back the credit card or the annual fee will be recorded in the bad credit record, and the "stain" will not be eliminated for life.

What does it mean to leave a credit card (debit card) empty for a long time?

A long-term empty credit card (debit card) means that the user uses the credit limit of the credit card (debit card) within 10% or runs out every month. Long-term empty cards are not conducive to increasing the credit line of credit cards (debit cards), and may lead to credit cards (debit cards) being controlled by the wind. Users should avoid the situation that their credit cards (debit cards) are empty, and pay attention to keeping the limit of about 20% when using credit cards (debit cards).

As for the occasional empty card, there is no harm. Only when the card is empty for a long time will the bank feel risky, so as to strictly monitor the user's card use.

So much for the introduction of empty credit card loans.