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【速搜问答】空的银行卡别人能干嘛

问答 admin 1个月前 (06-19) 40次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

空的银行卡给别人时可能被用来参与洗钱活动,如果行为比较严重会对银行卡开户人产生较大的影响。所以,在日常生活中不能把自己空的银行卡给别人或者出售,避免后续产生较大的影响,一般不用的银行卡可以直接销户处理。

Empty bank cards may be used to participate in money laundering activities when they are given to others. If the behavior is serious, it will have a greater impact on the bank card account holders. Therefore, in daily life, you can’t give your empty bank card to others or sell it, so as to avoid the subsequent impact. Generally, the unused bank card can be directly cancelled.

空的银行卡给别人时可能被用来参与洗钱活动,如果行为比较严重会对银行卡开户人产生较大的影响。所以,在日常生活中不能把自己空的银行卡给别人或者出售,避免后续产生较大的影响,一般不用的银行卡可以直接销户处理。

Empty bank cards may be used to participate in money laundering activities when they are given to others. If the behavior is serious, it will have a greater impact on the bank card account holders. Therefore, in daily life, you can’t give your empty bank card to others or sell it, so as to avoid the subsequent impact. Generally, the unused bank card can be directly cancelled.

银行卡分为借记卡(储蓄卡)和信用卡,其中借记卡申请时分为一二三类账户,一类账户属于全能账户,具有存款、取款、缴费、投资理财等功能,在开通一类账户时需要缴纳一定的工本费,不同银行可能会有差异。

Bank card is divided into debit card (savings card) and credit card. The application time of debit card is divided into one, two and three types of account. The first type of account belongs to all-round account, which has the functions of deposit, withdrawal, payment, investment and financial management. When opening the first type of account, it needs to pay a certain cost. Different banks may have differences.

借记卡二类账户一般用于投资理财,三类账户一般用于线上消费,但是没有实体卡,再有就是借记卡二三类账户使用时会有额度限制,二类每天使用限额为 10000 元,每年的限额为 20 万元。三类余额不能超过 1000 元,每日限额 5000 元,年累计不能超过 10 万元。

The second class of debit card accounts are generally used for investment and financial management, and the third class of accounts are generally used for online consumption, but there is no physical card. In addition, the second and third class of debit card accounts will have a limit of 10000 yuan per day and 200000 yuan per year. The three types of balance should not exceed 1000 yuan, the daily limit should be 5000 yuan, and the annual cumulative limit should not exceed 100000 yuan.

信用卡具有一定的授信额度,持卡人使用后必须按照银行规定的时间归还,不能出现逾期的情况,因为逾期后会产生罚息且会导致个人征信不良。如果长时间不还,会被银行起诉,判决后法院会强制执行。

The credit card has a certain line of credit. The cardholder must return it according to the time stipulated by the bank after using it. It can’t be overdue because it will produce penalty interest and lead to bad personal credit. If it is not returned for a long time, it will be sued by the bank and enforced by the court after the judgment.


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