Does deducting points for others affect me?

[GriffinFitz]

Deducting points for others using your driver's license does affect you, because the points are deducted from your record. Legal basis: According to Article 65 of the 'Regulations on the Application and Use of Motor Vehicle Driver's Licenses,' the cumulative scoring cycle for road traffic safety violations (i.e., the scoring cycle) is 12 months, with a full score of 12 points, calculated from the date the motor vehicle driver's license is first obtained. Depending on the severity of the road traffic safety violation, the points deducted for a single violation can be: 12 points, 6 points, 3 points, 2 points, or 1 point. Article 66 states that penalties and point deductions for road traffic safety violations by motor vehicle drivers shall be executed simultaneously. If a motor vehicle driver commits two or more violations at once, the points shall be calculated separately and accumulated.

[IvanRose]

Last month, my buddy borrowed my driver's license to deduct points, and after hesitating, I still helped out. Unexpectedly, during the process, the police inspection was extremely strict, uncovering the trick of point-deducting on behalf of others. They directly deducted some of my points and fined me. With fewer points left, I panicked—if I violate traffic rules again, I might have to retake the driving test. Even worse, my insurance premium will increase significantly starting next year because the record shows higher risk. I’ll never do such a stupid thing again—helping others only to screw myself over is just not worth it. Getting a driver's license isn’t easy, and once points are deducted, you have to drive on edge, becoming more sensitive about safety. I think everyone should be aware of these consequences—don’t be greedy for small gains, as legal risks are no joke.

[JulianaRose]

A few years ago, when I helped a relative by taking penalty points on their behalf, I had no idea about the consequences. As a result, the points were recorded under my name, and I quickly reached the limit, forcing me to retake the theoretical driving test. Those days were particularly exhausting—juggling work while squeezing in time to study. I regretted it deeply. The penalty points also affected my credit, leading to a slightly higher interest rate when applying for a car loan and an increase in insurance premiums. Most importantly, if I were to actually get into an accident myself, I’d have no points left, potentially facing even harsher penalties. I advise new drivers not to follow my example—drive responsibly and avoid recklessly helping others. Safety is your own safeguard. These experiences taught me the importance of traffic rules, which are designed to reduce accident risks. Participating in point-taking schemes is like aiding and abetting wrongdoing—it’s a lose-lose situation.

[JayceFitz]

Never let others use your driver's license for point deductions, as it can greatly affect you. Accumulating too many points may lead to license suspension, impacting daily commutes. Both insurance rates and credit records could worsen, making the cost not worth it. From a safety perspective, proxy point deduction is illegal and encourages dangerous driving, which can easily lead to accidents. Avoid such troubles early on.

[LydiaMarie]

Borrowing a driver's license for point deduction is really not advisable, as each point deducted doubles the risk. I once tried to cover for a colleague, only to be caught and fined several hundred yuan, with the points recorded under my name, nearly requiring me to retake the test. When the insurance company saw the record, the premium rate increased significantly, costing me extra money every year. If you frequently engage in such illegal activities, it may also affect the approval of other financial products, such as higher loan interest rates. Doing the math reveals that taking points for others doesn't save money but instead increases risks. It's better to honestly follow the rules. Safe driving is the most cost-effective choice.

[McNatalie]

Using someone else's driver's license for penalty point deduction is absolutely problematic and carries significant consequences. I once foolishly agreed to help a friend by taking points for them, which quickly accumulated close to the danger threshold. As a result, during my license renewal, there were additional review procedures, and I had to be extra cautious when handling my own affairs. Increased insurance premiums are a common consequence, costing hundreds more with each renewal. Morally, it's unjustifiable—traffic rules exist for public safety, and participating in point trading encourages reckless driving. Worse yet, you might end up on a blacklist, affecting your credit record. I believe people should stay clear-headed and not gamble with their own or others' safety.