What should I do if my ID card is used for a credit card by someone else without my knowledge?

If my ID card is used for a credit card by someone else, you can contact the bank to apply for information confirmation. The bank needs to take responsibility and Solve the problem.

If a credit card is faked, the applicant has not submitted an application for a credit card to the bank, nor has he signed a credit card business contract with the bank, so there is no loan contract between the applicant and the bank.

If the identity card is stolen by others and a credit card is successfully applied for at a bank, and the bank fails to fulfill its inspection obligations, the bank shall be primarily responsible for the consequences. The bank will be responsible for overdrafts or even credit stains caused by credit cards used under false identities. There is no need for customers to repay, and the bank is also obliged to cancel the bad credit record.

Extended information

A credit card is a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers who hold credit cards can go to When you shop or consume at a specially appointed commercial service department, the bank will settle the account with the merchant and cardholder. Cardholders can overdraft within the prescribed limit.

Credit card, also known as credit card, is a non-cash payment method and is a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

In February 2012, the bank confirmed that credit cards without passwords are more secure, and they will share the responsibility if the credit card is stolen. Enjoy an interest-free period of 25-56 days (or 20-50 days). Card consumption enjoys an interest-free period, and if you pay off the bill before the due date, no fees will be incurred. There is no interest-free repayment period for cash withdrawals, and a daily interest rate of 0.05% will be charged from the day of withdrawal. The bank will also charge a certain percentage of cash withdrawal fees.

What should I do if I use my ID card to apply for a credit card for someone else?

If you use your ID card to apply for a credit card for someone else, you can file a complaint with the bank to cancel the credit card.

What to do if someone else uses your ID card to apply for a credit card

You can call the police: 1. Citizens can only use their own ID cards to prove their identity. Using your ID to assume someone else's identity or someone else impersonating your identity does not mean that the person being impersonated has participated in a certain social activity. 2. If someone illegally commits a crime or infringes upon civil rights by impersonating another person's ID card, the perpetrator will still bear legal responsibility, and the person being impersonated does not need to provide evidence to prove his or her innocence. For illegal crimes, the judicial organs investigate and collect evidence to prove that you have committed illegal and criminal acts, and a chain of evidence must be formed, and the evidence must corroborate each other; for civil infringements, whoever claims it has to provide evidence. ID cards alone cannot hold the person being impersonated accountable. If someone who impersonates your identity owes money to companies such as China Mobile and banks, these companies will of course pursue reimbursement from you because the number is registered in your name. However, unless these companies can produce the business slips with your signature on them, they simply cannot prove that you handled the business and owe the fees. 3 Those companies have specialized lawyers, and they are paid to collect debts. They do nothing else. Anyway, those lawyers do not need to consider the benefits or whether it is reasonable. Asking clients for money is just a job. Therefore, if some companies send you legal letters or subpoenas in the future, you should actively respond to them.

Someone used my ID card to apply for a credit card. What should I do?

If our ID card is used by someone else to apply for a credit card, if we know the other person, let the other person pay off the credit card balance and then return the credit card to us. If you don't know the other party, go to the corresponding bank to check the credit card usage. If you owe a debt, choose to call the police.

In the Internet age, we should manage our personal identity information well to prevent it from being used fraudulently by others. If you encounter someone using your identity information to apply for a credit card, just follow the method below.

Strive to resolve the situation amicably and amicably with people we know

Relatives and friends around us use our relationship to apply for a credit card. After we learn about such a situation, we can ask them to use their credit card Return it to yourself and reimburse him for the expenses incurred during use.

If the other party can take care of our feelings and do what we ask, this is the best result.

If the other party does not listen to our kind words, we do not need to worry about the other party's face. We can report the credit card as lost and prevent the other party from continuing to use it. When it comes to the unpaid amount, you can only ask for it from the other party. After all, if you apply for a credit card in your own name, you will inevitably be caught in the pursuit of repayment. In order to prevent your reputation from being damaged and your money from being lost, you can also call the other party or the police for help if you have no choice.

For those you don’t know, the sooner you deal with it, the better

If your identity information has been used fraudulently and you don’t know the situation at all, you should report the loss as soon as possible and lock your credit card. , to prevent the other party from incurring more consumption bills, which will ultimately be borne by you. When reporting the loss of a credit card, you can check the consumption on the card. If it exceeds your tolerance, you should call the police directly.

Then we wait for the police’s investigation results, which usually give us a happy ending. Those who steal our personal information and apply for credit cards will also be punished as they should.

No matter what, if you don’t want your identity information to be leaked, you must keep your personal information, ID cards and other important documents in your daily life, and do not lend them to others.

My ID card is lost and someone else uses it to apply for a credit card. What should I do?

1. The second-generation ID card was lost and was used to apply for a credit card. Once someone fraudulently applies for a credit card and fails to repay the amount after overdrafting, overdue debts and bad credit records will be recorded on you. Since the cardholder has not submitted an application for a credit card to the bank and has not signed a credit card business contract with the bank, no loan contract has been formed with the bank. If someone else fraudulently uses his information to apply for a credit card from a bank and uses it as an overdraft, he should not be responsible for the resulting debt. 2. Solution: The cardholder reports to the bank in writing and requires the bank to eliminate negative effects such as bad credit records. In addition: when a bank applies for a credit card or debit card, it shall be examined based on the combination of the person and the certificate, and only those who pass the examination can apply. Therefore, you cannot apply for a card with just your ID card and ID card information. If the bank fails to fulfill its review responsibilities, the bank shall bear legal liability. However, if your ID card is deceived, you should immediately apply for a new one and report it to the public security agency that issued the ID card.

What should I do if I apply for a credit card if my ID card information is stolen?

Call the police.

1. There is no need to go to a different place to call the police, just go to the local police station.

2. What you need to do is to ask the bank to issue a "Credit Card Objection Statement" or similar certificate for you, and keep the original. You don't need to worry about this card, you have no responsibility.

3. If your ID card has been stolen, you only need to report it to the police station and keep the report receipt.

4. You are not responsible for non-repayment, it is the bank's responsibility for lax review. As long as you can fully prove that the card was not issued by you, you can ask the bank to compensate for your losses and restore your credit record.

5. If you go to the People’s Bank of China, you can check the overdraft status of this card for only 2 years, but the specific usage records, such as where the card was swiped at the issuing bank, but this card is indeed not yours. , you don’t need this detailed usage record.

How to reissue and report the loss of ID card

After the ID card is lost, I should bring my household registration book to the household registration hall of the Public Security Bureau where my household registration is located as soon as possible to report the loss of the replacement ID card. After checking the household registration book, personal information, and computer household registration information, the police collect information and process documents from the parties concerned.

The first step is to collect appearance information, which is to take ID photos. Since the background is light-colored, the person involved should wear dark clothes, expose eyebrows and ears, and do not wear earrings, necklaces and other jewelry and headwear, and heavy makeup is not allowed. If you usually wear glasses, in order to prevent the appearance on the ID card from being too different from what you see in real life, and to avoid the reflection of the flash on the lenses, you can wear spectacle frames when taking photos. After taking the photo, the fingerprint information of the person concerned is collected.

After the information collection is completed, the person concerned signs the confirmation form and can go to the public security organ to receive a new certificate one month later. If you need it urgently, you can apply for expedited procedures, and the postal department will send it to the designated location within 10 working days. If you need to handle bank card business or purchase train or plane tickets during the application process, the person concerned can apply for a temporary ID card on site or issue a relevant household registration certificate.

Temporary ID cards and household registration certificates have the legal effect of ID cards within the validity period, but they do not have magnetic stripes and chips, so they cannot swipe cards to buy tickets.

In addition, if your ID card is lost, you can voluntarily report the loss. Reporting the loss is to prevent the identity card from being used fraudulently for communications, banking and other services, and causing unnecessary trouble to the parties involved due to malicious defaults. You can go to the media to report the loss and declare in the newspaper that the ID card has been invalidated.

Temporary Resident Identity Card

Chinese citizens over 16 years old who live in the People's Republic of China and the People's Republic of China should apply for a resident identity card but have not yet received the certificate. If your ID card is lost or damaged and you have not yet received a replacement, you can apply for a temporary ID card as needed.

Chinese citizens who are over 16 years old and whose permanent residence is pending and who live in the territory of the People's Republic of China should apply for a temporary ID card.

The temporary ID card has the legal effect of proving citizenship.

This ends the introduction on what to do if someone else uses your ID card to apply for a credit card and someone else uses your ID card to apply for a credit card. Have you found the information you need?