Lend your credit card to someone else and ask him to write an iou. How to write?

The basic contents of IOUs include:

Creditor's name, loan amount (principal), interest calculation, repayment time, liquidated damages (deferred repayment), treatment method, debtor's name, loan date and other elements.

As long as you have the creditor's name, loan amount, debtor's name and loan date (although it was added later), it meets the main requirements of the loan, so it has legal effect.

Extended data:

1, personal IOU

Reason: Due to personal financial difficulties, I borrowed RMB ××× 1000 today.

Borrower: ××× (signature)

Loan date: April 2009 1 repayment date: August 2009 1.

2. Personal IOUs

How much did Party A lend to Party B on a certain day, a certain month, a certain year, with a loan term of xx and an agreed repayment date with interest? If Party A fails to return the goods on time, it shall pay liquidated damages.

Signature of Party A:

Date:

3. Personal IOUs

Party A xxx (ID number:) received RMB from Party B xxx (ID number:) today. (in words)

The loan term is: years, which will be repaid year by year.

The loan interest is: ..

Signature of the Borrower:

Date:

Baidu encyclopedia-IOUs

How to make a debit note by borrowing a credit card?

An iou shall be concluded in written form, which shall specify the lender's identity information, loan amount, interest calculation, repayment time, loan date and other terms. Article 668 of the Civil Code provides that a loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

How to write a debit card?

Article 6 of the Measures for Payment of Litigation Fees The litigation fees that the parties should pay to the people include: (1) the fees for accepting cases; (2) application fee; (3) Transportation expenses, accommodation expenses, living expenses and lost time allowance incurred by witnesses, expert witnesses, translators and adjusters when they appear in court on the date designated by the people. Article 197 of the Contract Law of People's Republic of China (PRC) shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.

My friend lent me a credit card. How can I write an IOU?

The IOUs shall specifically include the following elements:

1. Identity information of both parties, such as name, ID number, contact information, telephone number, etc.

2, the specific amount of the loan, the way and method of payment of the loan.

3. Whether both parties have agreed interest on the loan.

4. Agree on the repayment time and method.

5. The IOUs shall be signed and sealed by both parties or signed by fingerprints.

What is the process of not repaying the loan?

(a), the two parties should first submit a book, and according to the number of the other party to submit the corresponding number of copies. If the parties are citizens, the names, gender, age, place of origin and address of both parties shall be stated.

If the party is a unit, the name, address, legal representative or person in charge of the unit shall be stated. The text of the book shall state the request, facts and reasons, and the tail shall be signed or stamped with the official seal.

(2) According to the principle of "whoever advocates gives evidence", the plaintiff shall submit the following materials:

1, plaintiff qualification materials. For example, the originals and photocopies of resident ID cards, household registration books, passports, home visit certificates for Hong Kong and Macao compatriots, marriage certificates and other evidence, the enterprise as the plaintiff shall submit photocopies of business licenses, industrial and commercial registration certificates and other materials.

2. Evidence to prove the plaintiff's claim. Such as contracts, agreements, debt instruments (IOUs, IOUs, etc. ), send and receive vouchers, letters, etc.

(3) When submitting documentary evidence, the parties concerned shall fill in a list of evidence in duplicate, detailing the name and pages of the evidence submitted. After the evidence is verified by the undertaker, the undertaker shall sign and seal the evidence list, one for the parties and one for the file.

(four) the filing court shall, within seven days after the parties have performed the necessary procedures and submitted the relevant evidence materials, handle the filing procedures for those who meet the conditions for filing, and rule that they will not be accepted according to law.

(five) the parties shall pay the case acceptance fee and other litigation fees in advance within seven days from the date of receiving the notification of acceptance. If there are difficulties, you can submit a written application for reduction, deferment and exemption to our hospital during the advance delivery period. If they fail to pay in advance within the time limit or the written application for deferral, deferral or exemption is not approved, our hospital will rule that the lawsuit will be withdrawn automatically.

(6) Arrange a court session after filing the case, and the parties shall obey all work arrangements. After closing the case, settle the litigation costs in the accounting office, and refund more and make up less.

Lend someone a credit card, how to write a debit note?

1. It is illegal to lend a credit card to others. In case of bad debts, the cardholder shall bear all consequences;

2. If it is really necessary to borrow money, the loan amount (credit limit), interest rate, settlement method and cycle shall be indicated on the loan slip, and the annual interest rate shall not exceed 24%. If it is higher, you can increase the handling fee or management fee and control the annual fee within 6%.

3. It is recommended to borrow in the form of a loan contract, and indicate the repayment items (monthly);

Finally, I want to remind you that such an iou or contract is really not recognized by law;

Extended data:

1. Lenders must be professional financial institutions approved by the state, including the People's Bank of China and professional banks. Specialized banks refer to China Industrial and Commercial Bank, China People's Construction Bank, China Agricultural Bank, China Bank and credit cooperatives. National credit business can only be handled by national financial institutions, and no other unit or individual has the right to have a loan relationship with borrowers.

2, the borrower generally refers to the implementation of independent accounting, self financing enterprises owned by the whole people and collective ownership. State organs, social organizations, schools, scientific research institutions and other units that implement budgetary allocations have no right to apply for loans from financial institutions. Under special circumstances, urban and rural individual industrial and commercial households and farmers who implement the production responsibility system can also become the main body of loan contracts and sign loan contracts with banks and credit cooperatives.

3. The loan contract must meet the requirements of the national credit plan. Credit plan is the premise and condition for signing a loan contract. The borrower must apply for a loan from the lender according to the credit plan approved by the state; The lender must sign a loan contract with the borrower under the condition of complying with the credit policy of the national credit plan. Over-planned loans must be strictly controlled.

4. The subject matter of the loan contract is RMB. RMB is the legal tender in China and the main target of loan contract. Mainly used in Sino-foreign joint ventures and other units that need to use foreign exchange loans. In the loan contract, it should be clearly agreed in what currency to borrow and repay (including interest).

5. The loan contract must provide a guarantee or guarantee. When a borrower applies for a loan from a bank, it must have sufficient materials as a guarantee or provided by a third party. Otherwise, the bank has the right to refuse to provide loans. This kind of guarantee or guarantee is a guarantee measure that enables the loan to be repaid on schedule.

6. The loan interest rate of the loan contract shall be uniformly stipulated by the state and managed by the People's Bank of China. When the borrower repays the loan, it usually repays the loan interest, and the interest rate must be calculated and paid in accordance with the unified provisions of the state. Both parties have no right to agree, and neither party has the right to change or modify the interest rate stipulated by the state.

Bad debts refer to accounts receivable that an enterprise cannot recover or is unlikely to recover. The loss caused by bad debts is called bad debt loss.

It is normal for enterprises to have bad debts, resulting in bad debt losses. According to the relevant provisions of our country, if the accounts receivable of an enterprise meet one of the following conditions, it shall be recognized as bad debts:

(a) due to the death of the debtor, the inheritance can not be recovered after paying off;

(2) Due to the bankruptcy of the debtor, the bankrupt property cannot be recovered after being paid off;

(3) The debtor fails to perform its debt service obligations for a long time (such as more than 3 years), and there is sufficient evidence to show that it cannot be recovered or the possibility of recovery is extremely small.

Subjectively, there are four direct targets of credit card fraud, namely cash currency, commodity currency, merchant service and credit card itself.

Cash currency and commodity currency are carriers of social wealth and belong to tangible property. The criminal of credit card fraud illegally occupies property that does not belong to him, which is an infringement on social wealth. Obviously, tangible property is the direct target of credit card fraud. Merchant service refers to the service provided by the service personnel of credit card merchants to cardholders in hotels, entertainment centers and other consumer places.

This is a kind of materialized social labor that exists in the service process and belongs to a social commodity. Similarly, the credit card itself has a physical form, that is, a plastic card, which is a special financial commodity as a voucher for commodity trading in the circulation field and embodies a certain function of money.

From the perspective of social goods, both merchant services and credit cards themselves may be directly infringed by credit card fraud and become the object of credit card fraud.

References:

Baidu encyclopedia-loan contract

Reference: Baidu Encyclopedia-Bad debts

References:

Baidu encyclopedia-credit card fraud

How to make a debit note by borrowing a credit card?

How to write the debit note for credit card loan: the debit note is _ _ _ _ (cardholder's name), and the credit card balance is _ _ _ _ _ _ _ _ _ _ _. Borrower: _ _ _ _ Date: _ _ _ _ _ _ _. It is illegal to lend a credit card to others. In case of bad debts, the cardholder will bear all the consequences. The Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases defines the lending interest rate as "two lines and three zones". The first line of "two lines and three districts" is that the annual interest rate does not exceed 24% (the monthly interest rate does not exceed 2%), which belongs to the judicial protection zone; The second line is that the interest agreement with annual interest rate exceeding 36% (monthly interest rate not exceeding 3%) is invalid and belongs to the invalid area. The annual interest rate of 24%-36% (monthly interest rate of 2%-3%) belongs to the natural debt area. If the lender asks the borrower to pay interest exceeding 24% per annum, it will not be supported; What the borrower has paid is not protected. If the lender advocates paying interest during the loan period, the people will not support it. Term of loan. According to the provisions of Article 188 of the General Principles of Civil Law, the statute of limitations for the IOUs marked with repayment period is 3 years from the date when the repayment period expires, and the statute of limitations for IOUs without repayment period is 20 years. Article 108 of the General Principles of the Civil Law: The debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be sentenced to compulsory repayment by the people.

This concludes the introduction of credit card debit note and bank debit note. I wonder if you found the information you need from it?