How can I cancel my credit card if someone else impersonates me?
I set up a credit card under someone else's pseudonym. Although I don't have a card in my hand, it's actually very easy to cancel my credit card because I use my ID card information. Just take my ID card directly to the issuing bank outlet and let the staff cancel it. Because there is a 45-day settlement period for credit card cancellation, in order to prevent the other party from using the card again, the credit card is reported to be lost before cancellation, and the credit card is in a stop payment state and cannot be used.
In fact, in this case, the focus is not on cancellation, but on directly eliminating the credit card records that do not belong to you, especially if the credit card is in arrears or overdue. It is impossible to write off the debt without paying it off, not to mention it will affect the credit. The correct way is to call the police directly.
Generally, you need to ask the bank for information about handling credit cards, videos of face-to-face signing of credit cards, and comparison of credit cards that you don't handle. After obtaining evidence, let the public security organ issue a report receipt and mail it to the credit card center, and let the bank delete the credit card record and resume the credit investigation.
If the bank refuses to delete it, as long as there is evidence in hand, we can directly sue the bank in court. In the final analysis, the impersonation of the card is that the bank has not fulfilled its obligations and allowed the applicant to overdraw with his ID card. The fault lies with the bank, and the bank is responsible.
In short, if someone else impersonates him to handle a credit card, he must collect evidence to prove that he did not handle the card himself, and then file an objection application, so that the bank can modify the credit information and delete the credit card record.