1. What if someone uses my ID card to apply for a credit card?
If someone uses their ID card to apply for a credit card and fails to return it, they can call the police directly.
(1) Pay attention to your credit status. At present, people's banks all over the country can use my ID card to check my credit report.
(2) If it is determined that you have not filled in the credit card application form, you should immediately sue the bank to the court and ask the bank to restore the credit record and eliminate the debt. In the prosecution, you should ask for handwriting identification, which is the only and most recognized evidence of the court.
(3) Credit card bills and signatures can be authenticated within half a year of credit card consumption. If the bank deliberately delays this time, then the responsibility lies with the bank.
2. Does it constitute a crime to overdraw a credit card by using someone else's identity?
Overdrawing a credit card by using another person's identity, which constitutes the crime of credit card fraud, and the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
Third, how to prevent being impersonated to do the card?
1. Don't put your ID card and mobile phone together. The strong magnetic field generated by the high-frequency electromagnetic wave emitted by the mobile phone will magnetize the magnetic chip in the ID card. Once degaussed, the identity information may be unreadable, which will bring trouble to travel or handle business.
Try to put your ID card in your close-fitting pocket in public, and don't show it to strangers.
Don't lend your ID card to others. Even a copy of your ID card can be used by others to handle some financial business. So we should also take it seriously and not throw it away at will.
4. Don't mortgage your ID card to others. Many migrant workers often mortgage their identity cards to their bosses, which seems to ensure the loyalty of employees, but in fact it brings security risks to migrant workers. These small bosses hold a large number of citizen ID cards, and if they are used for illegal purposes, the consequences will be very serious.
5. If the ID card is lost, you should go to the public security organ for replacement procedures in time, and if necessary, you can publish a report on the loss in the newspaper to avoid unnecessary losses.
When the victim discovers that his identity card has been fraudulently used to apply for a credit card, he should report the case to the public security organ at the first time and recover the loss through the help of the public security organ. At the same time, he wants to get in touch with the bank and explain that the overdraft behavior of the credit card is not his own operation, but someone else uses his ID card to handle the credit card and negotiate a reasonable solution with the bank.