After someone else forges the identity card material to apply for a credit card and has a debt, the party needs to prove that the credit card is not his or her own, and then resolve it through negotiation or litigation. The specific method is:

After learning that you have been impersonated by others to apply for a credit card, you must first find out the location, time and processing channels for applying for a credit card at the bank, as well as copies of the application materials;

Go to the nearest public security bureau to report the case, or choose the bank Report the case to the public security department where a certain branch, municipal or provincial branch is located;

If you cannot obtain the card processing information from the bank, you can choose to report the case first. It may be more convenient to check the processing information with the reporting information;

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Find the following evidence from the card application information:

(1) During the time period when the card was applied for, you were in a different place (it would be best if you could prove it);

(2) Prove that the signature and other content in the submitted materials were not written by me;

(3) Check the card usage records and try to find the most recent card usage information as many times as possible, such as the location of consumption , card swiping monitoring, consumption habits, etc., to prove that it is not the person who uses the card for consumption. After preparing the above evidence materials, go to the bank where the card belongs to negotiate a solution. If the negotiation cannot be resolved, appeal to the court where the bank is located and resolve it through legal channels.

Generally speaking, after this kind of thing happens, the person involved must first prove that he did not apply for the card or use the card by himself, so that it can be beneficial to him when the problem is solved later. Otherwise, negative treatment will only hurt himself. Adverse effects on credit records. Both parties are responsible for the occurrence of such incidents. The parties did not fulfill their obligation to protect their identity document information, and the bank also made omissions in the data review process. However, if unfortunately such a thing happens, in the end, it will only be responsible for theft. When an individual's information creates a bad bank, there is almost no loss to the bank, and it is nothing more than a small amount of bad assets.

Finally, I would like to remind everyone to protect their personal identity documents and related personal information. Be sure to do the following:

Never lend your identity documents and other important information to others, and do not lose or lose them. Then report the loss and replace it in time.

For example, in this incident, if you had lost your ID card during the time when you applied for the card, and had published a loss and invalidation statement in the newspaper, then the matter would be much simpler to solve, almost It can directly prove that someone else has fraudulently used your ID materials;

If you must use your ID, you must be present during the photocopying, taking photos, etc. to avoid being used additionally;

When using a copy of the certificate, be sure to indicate on the copy that it can only be used for certain matters, and the signature should be within the main text of the copy, and do not sign in the blank space.