My friend used a copy of my real estate license to set up a credit card at the Agricultural Bank of China. Will I be at risk if he fails to pay it back within the time limit? The bank will confiscate my house. Hello, did you apply for a credit card for the mortgaged property? Now, you don't need to mortgage a credit card. A real mortgage is not as simple as a copy. You need to apply for real estate license and land certificate in person, so I don't think you should mortgage it, but if you apply for a credit card in your name and he can't repay it on time, then the risk must be in your name. You need to decide for yourself. In addition, if you are not worried about whether the property is mortgaged, you'd better go to a bank outlet for consultation (it is best not to lend your credit card to others).