However, in order to prevent others from using your ID card to apply for a credit card, it is safer to call the bank that sent you the bill to confirm whether you have not applied for a credit card in that bank, so as to avoid losses caused by others using their ID card to apply for a credit card.

1, first call the credit card customer service staff to explain the situation, and it is best to ask for direct transfer to the collection staff. Ask for a fax number, stating in writing that someone else used your identity to overdraw and failed to pay it back within the time limit. At the same time, you can report the case to the economic case investigation department of the local public security bureau, instead of looking for the police station. They don't accept such cases. 2. False application is a major category of credit card fraud. After receiving your information, the card center will conduct anti-fraud investigation according to the relevant processing flow. Every credit card application form has a marketer code. The key is that you ask the branch to find out who the marketers are. According to the bank procedure, the anti-fraud department will investigate the cards suspected of fraud. If the investigation results show that the card was not applied by the customer himself, the customer has never used it, and the customer does not have to bear the loss. 4. After the investigation results come out, you must ask the issuing bank to explain the situation and apply in writing to the Credit Information Management Office of the People's Bank of China for revoking the bad credit records in your personal information base.