1. Anyone who steals another person's ID card to apply for a credit card overdraft is using false identity certificates to defraud a credit card. He is suspected of credit card fraud and can call the police and demand criminal liability.
2. Credit card fraud refers to the behavior of using credit cards to conduct fraudulent activities for the purpose of illegal possession, violating credit card management regulations, and defrauding large amounts of property.
3. As the actual holder of the ID card, you can choose to call the police, and the public security agency will pursue the criminal liability of the embezzler.
"Criminal Law"
Article 196: Whoever commits the crime of credit card fraud or theft under any of the following circumstances and conducts credit card fraud activities and the amount is relatively large shall be sentenced to not more than five years in prison Fixed-term imprisonment or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is not less than five years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; If the amount is particularly huge or there are other particularly serious circumstances, the person shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated:
(1) Using counterfeit goods Credit card, or using a credit card fraudulently obtained with false identity certificate;
(2) Using an expired credit card;
(3) Pretending to use another person’s credit card;
(4) Malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.
Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.