出售全国银行卡

Affected by the epidemic situation, many people are facing the problem of credit card repayment, which also leaves an opportunity for the intermediary providing POS cash to repay credit card. "China business daily (blog, microblog)" reporter survey found that, while the demand for credit card installment increased, the intermediary providing POS cash to repay credit card began to appear frequently.

The Bank Research Manager of a state-owned Bank Credit Card Center pointed out that, from the transaction appearance, it is the consumption behavior of the cardholder in a certain merchant, but in fact, there are many risks in this kind of cash out behavior, such as the fake merchant does not send the money to the cash out cardholder after receiving the bill, and the cardholder is blacklisted by the bank for the cashout behavior, which affects the credit investigation, etc.

It is worth noting that the rise in the overdue rate of credit cards has also attracted the attention of the bank's top management. According to the annual report data disclosed by banks, the non-performing loan rate of credit card of many banks has increased, which also brings challenges to the management ability of credit card after loan.

Arbitrage loan mode The increase of overdue rate of credit card brings business "opportunity" for POS cash out intermediary. The reporter investigates and discovers, the intermediary that offers POS machine to cash out to return credit card is increasing day by day recently.

A POS intermediary told reporters that he can use his POS machine to cash out and return the credit card. According to the introduction, there are two main advantages: one is not to use your own money to return the credit card; the other is not only to save the installment fee, only to pay the cash out service charge, but also to avoid the trouble of reducing the amount. If you handle the installment, you may face the credit card reduction.

According to the relevant responsible person of credit card of Guangfa bank, this kind of card use behavior of credit card holders is called cash out loan. After the customer issues the bill, he uses the reserved amount to cycle cash out and repay, so that the customer's current bill is fully repaid and the repayment period is postponed to the next bill.

The reporter noted that in recent years, POS machine cash out has been prohibited repeatedly. Talking about this phenomenon, the Bank Research Manager of the credit card center of a state-owned bank has analyzed to the reporter that POS cash out is actually a kind of behavior that fake merchants cash out credit card funds, and uses MCC codes with lower rates to reduce transaction costs and achieve low-cost access to bank funds.