If the bank doesn't believe what you say, it will call the police. If the criminal police find out that you are not overdrawn, they will not recover the "arrears".
The bank will think that someone may open a card with an ID card and will call the police to deal with the person who opens the card with an ID card.
3. The ID card must be protected. When consumers are looking for a job or doing things, it is very easy for the staff to leak information because of negligence, which gives criminals an opportunity.