After the identity card was lost, the bank suffered property losses under the false name of criminals, which was beyond the control of the parties. Although the parties have the obligation to keep the identity documents, when handling credit cards for individuals, banks should fulfill the obligation of examination, including whether the identity cards are used by themselves and the authenticity of the identity cards. If the identity card is stolen by others, the credit card is successfully handled in the bank, and the bank fails to fulfill its review obligation, it shall bear the main responsibility for the consequences.

It is suggested that citizens often have a "physical examination" of their credit status. Once the credit card is found overdrawn, you can ask the bank to apply for card transfer, because according to the regulations, the credit card application materials must be filled in and signed by the cardholder himself. If it can be confirmed that the signature is not its own, the bank should bear the corresponding responsibility.

According to the relevant provisions of the Resident Identity Card Law, citizens who lose their resident identity cards should report the loss to the local police station where their permanent residence is located. The citizen's replacement of the lost certificate itself informs the public security organ of the fact that the certificate is lost, and there is no need to report the loss in the newspaper. The Ministry of Public Security has made an explanation about the loss of resident identity cards. One of them is that if a resident identity card is lost and used by others, the user and the relevant departments should bear corresponding legal responsibilities, and the person who lost the identity card does not have to bear the responsibility for the behavior that he did not implement.

When citizens use a copy of their ID cards, it is best to write down labels such as related purposes to avoid being used by criminals. The thinner the label, the better. It is best to use a blue ballpoint pen, but don't cover your ID number and name. Some strokes should cross or touch the words on the ID card; Write three lines at ordinary times, and draw a horizontal line after each line to avoid being stolen and adding other words; Tear up the copy of your ID card before throwing it away.