What you are talking about is probably that someone else set up a credit card for you at the beginning, using your information, and your contact number at that time was not bound. After the card is issued, the cardholder will intercept it for his own use and only swipe the card without paying back the money. The overdue time is too long, which makes your personal credit form a bad record. As a result, you are not even qualified to apply for a mortgage now, are you? In this case, I suggest that you try to collect relevant evidence first, and then file a lawsuit with the court or report to the public security organ, asking this person to repay the credit card debt and compensate you for all the economic losses caused by it. If you feel that there are irregularities in the process of handling the card, you can report the bank to the CBRC and ask the bank to bear the responsibility for dereliction of duty. As for your personal credit problem, it may have to wait until five years after the bad record is eliminated. I hope my answer can help you. If you are satisfied, please adopt it. Thank you!