If the identity card is used fraudulently to apply for a credit card, the person involved should report it to the police as soon as possible. Subsequently, you should take the initiative to contact the bank and inform the bank that the credit card is not handled by you, and ask the bank to issue supporting documents similar to the "Credit Card Objection Statement". Moreover, this matter is ultimately a mistake on the part of the bank, and the bank can compensate the individual for his losses.

1. What to do if your ID card is used fraudulently to apply for a credit card? What to do if your ID card is used fraudulently and you apply for a credit card: call the police. 1. There is no need to go to a different place to call the police, just go to the local police station. 2. What needs to be done is to ask the bank to issue a "Credit Card Objection Statement" or similar certificate, and keep the original. There is no need to worry about this card, and the cardholder has no responsibility. 3. If the cardholder's identity card has been stolen, he only needs to report it to the police station and keep the report receipt. 4. There is no responsibility for non-repayment, it is the bank's responsibility for lax review. As long as the cardholder can fully prove that the card was not issued by himself, the cardholder can ask the bank to compensate for his losses and restore his credit record. 5. You can go to the People's Bank of China to check the overdraft status of this card for only 2 years, but the specific usage records, such as where the card was swiped at the issuing bank, but the card is indeed not issued by the cardholder, there is no need for the cardholder Want this detailed usage record.

II. The correct approach and consequences after the ID card is lost 1. According to the relevant provisions of the "Resident Identity Card Law of the People's Republic of China" (hereinafter referred to as the "Resident Identity Card Law"), citizens who lose their resident identity cards must The ID card must be reported to the police station where the permanent residence is located to be lost and replaced. According to the "Notice of the National Development and Reform Commission and the Ministry of Finance on Charge Standards for Resident Identity Cards and Related Issues", a replacement fee of 40 yuan for a second-generation resident identity card that is lost or damaged will be charged. 2. When a citizen applies for a replacement of a lost resident ID card, the public security organ is notified of the fact that the document has been lost. There is no need to "report the loss" or make a newspaper statement. There is no relevant law that stipulates that citizens need to "report the loss" and make a newspaper statement after losing their resident ID card. newspaper statement. Resident ID card is a legal identity document for citizens, and its main function is to prove the identity of citizens when engaging in relevant activities. When citizens use resident ID cards to prove their identity, the relevant document-using departments have the obligation to check the consistency of the person and the certificate. Only after confirmation is correct can the relevant business be handled for the holder. 3. If the resident ID card is lost and used by others, the impersonator and relevant departments shall bear corresponding legal responsibilities. The person who lost the ID card does not need to bear responsibility for actions that he did not commit. The "Resident Identity Card Law" also clearly stipulates that anyone who fraudulently uses another person's resident identity card will be fined not less than 200 yuan but not more than 1,000 yuan by the public security organs, or detained for not more than ten days. If there is any illegal income, the illegal income will be confiscated. Here, we also remind the general public that in order to reduce unnecessary trouble, important identity documents such as resident ID cards must be properly kept to prevent loss and theft as much as possible. When the cardholder discovers that someone has fraudulently used his or her ID card to apply for a credit card, he or she can call the police as soon as possible. At the same time, you need to inform the bank of this situation, otherwise the bank will mistakenly think that it is the cardholder's problem if the credit card is in arrears or overdue. Therefore, you should immediately find a bank to issue a statement of objection to your credit card to avoid other problems in the future.