When it comes to credit cards, I believe that many people who have started working will apply for them. After all, sometimes it is very convenient to use them when they have no money. The problem of credit card overdrafts is also common for some people, but some people There are three reasons why people who have never applied for a credit card are suspected of malicious overdrafts. First, it may be a trick of fraudsters; second, it may be that someone else took the opportunity to apply for a credit card when the ID card was lost; third, it is There are people around you who have used your own information to apply for credit cards and overdraft maliciously, so everyone must keep their identity information safe to avoid such problems.

1. Someone who has never applied for a credit card but is suspected of malicious overdraft. First of all, it is most likely a scammer's routine. Don't be fooled.

Many people must have received such a call, which means that you have a credit card that is overdrafted and overdue. You need to pay money to the card quickly, otherwise it will affect your credit report. This is very common. It's a kind of fraud, so if you encounter such a call, just hang up.

Secondly, it may be that your ID card was lost before and someone took the opportunity to apply for a credit card.

I believe everyone has had the experience of losing their ID card, and you can do a lot of things with your ID card. It may be that during the period of lost and reissued, someone else used your ID card to apply for a credit card and use it, but in the end he didn’t. If you want to pay back the money, the bank will contact you personally. In such a situation, the only option is to call the police and let the police solve the problem.

3. In the end, an acquaintance may have applied for a credit card in his own name and made a malicious overdraft, which is also one of the reasons for this situation.

Finally, another situation where this kind of problem occurs is when an acquaintance commits a crime. There are many examples of this. A friend applies for a credit card in his own name and then maliciously overdrafts it, because the acquaintance has access to his personal information, etc. They are all very clear, so this reminds everyone that they must keep their identity information and not let others use it fraudulently, so as to ensure the safety of their property.