If you use someone else’s ID card to apply for a credit card without your knowledge, you can choose to call the police directly and cancel the credit card in a timely manner.

Whether it constitutes fraud shall be determined by the judicial authorities. You can also go to the bank where you applied for the bank card to check. Generally, you need to apply for a credit card in person, because it involves some facial recognition, etc. If it is not handled in person, it is the responsibility of the bank.

If the personal ID card is used If misappropriation creates a bad credit record, the party concerned can only file a lawsuit if there is a sufficient foundation, and the final result will be decided by the court. The court finally ruled that the party did have a bad credit record caused by the theft of the identity card, and the party's bad credit record would eventually be eliminated in the bank's credit investigation system. In fact, if the identity card is stolen and then used by criminals to apply for credit cards, the bank will suffer property losses, which is beyond the control of the parties involved. Although the parties concerned have the obligation to keep their identity documents, banks should perform inspection obligations when handling personal credit card business. The inspection content includes whether the person uses his or her ID card and the authenticity of the ID card.

If the identity card is stolen by others and the bank successfully applies for a credit card, if the bank fails to perform its review obligations, the bank shall bear the main responsibility for the resulting consequences. According to the relevant provisions of the "Resident Identity Card Law", if a citizen loses his or her resident identity card, he or she should report it to the local police station as soon as possible. Citizens’ behavior of replacing lost documents and notifying the public security organs of the fact of lost documents does not require reporting and statements in newspapers. The Ministry of Public Security has issued a statement on the loss of resident identity cards, one of which is: If the resident identity card is used by others, Impostors and relevant departments should bear corresponding legal responsibilities, and people who lose their ID cards do not need to be held responsible for their actions.

Legal Basis

Article 266 of the "Criminal Law" Crime of Fraud Whoever defrauds public or private property, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or surveillance, and shall also be sentenced to Or if the fine amount alone is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years, and if the fine amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than ten years or life imprisonment and concurrently fined. or confiscation of property. If this law provides otherwise, the provisions shall prevail.