After the identity card is lost, criminals pretend to apply for credit cards. As a result, the bank suffers property losses, which is beyond the control of the parties involved. Although the parties concerned have the obligation to keep their identity certificates, banks should perform inspection obligations when applying for credit cards for individuals. The inspection content includes whether the ID card is used by the person and the authenticity of the ID card, etc. If the identity card is stolen by others and a credit card is successfully applied for at a bank, if the bank fails to fulfill its inspection obligations, the bank shall be primarily responsible for the consequences. If it is found that a credit card has been applied for under a false identity, and the resulting overdraft or even credit stain is recorded, the bank will be responsible for it without requiring the customer to repay, and will assist in canceling the bad credit record according to the procedures prescribed by the People's Bank of China. According to the relevant provisions of the Resident Identity Card Law, citizens who lose their resident identity cards must report the loss to the police station where their permanent residence is located for a replacement. The act of a citizen to replace a lost document itself informs the public security organ of the fact that the document has been lost, and there is no need to report the loss or make a statement in the newspaper. The Ministry of Public Security has made clarifications on issues related to the loss of resident identity cards. One of them is: If a resident identity card is lost and used fraudulently by others, the fraudster and the relevant departments should bear corresponding legal responsibilities. The person who lost the identity card does not need to take responsibility for the consequences that he or she has not implemented. Be responsible for your actions.