It is illegal for others to borrow the card owner’s identity document to apply for a credit card. It is a violation of the criminal law to use false identity documents to fraudulently obtain a credit card, and it is a fraudulent use of another person’s credit card. If you find that someone else has used your personal information to apply for a credit card, you should immediately call the police and inform the police that someone else has used your information to apply for a credit card. If there is evidence to prove that the cardholder is not willing to consume, the consumption expenses incurred do not need to be repaid, and the expenses will be reimbursed by the fraudulent user.

According to Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China, anyone who commits credit card fraud in one of the following circumstances 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 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances For other particularly serious circumstances, the person 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 have property confiscated:

(1) Using a counterfeit credit card, or using a Using false identity certificates to fraudulently obtain credit cards;

(2) Using invalid credit cards;

(3) Pretending to use other people’s credit cards;

( 4) Malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank.

Extended information:

Article 177-1 of the "Criminal Law of the People's Republic of China" Whoever has any of the following circumstances and interferes with credit card management shall be sentenced to three years in prison Not less than 10 years of fixed-term imprisonment or criminal detention, and concurrently or solely a fine of not less than 10,000 yuan but not more than 100,000 yuan; if the amount is huge or there are other serious circumstances, the sentence is to not less than three years but not more than 10 years of fixed-term imprisonment, and a fine of not less than 20,000 yuan but not more than 200,000 yuan. The following fines are imposed:

(1) Holding and transporting credit cards knowing that they are counterfeit, or holding and transporting blank credit cards knowing that they are counterfeit and in large quantities;

(2) Illegally holding other people’s credit cards in large quantities;

(3) Using false identity certificates to fraudulently obtain credit cards;

(4) Selling, buying, or providing credit cards for others Providing forged credit cards or credit cards obtained fraudulently with false identification.

Anyone who steals, bribes or illegally provides other people's credit card information shall be punished in accordance with the provisions of the preceding paragraph. Any staff member of a bank or other financial institution who takes advantage of his position to commit the crime in Paragraph 2 shall be severely punished.

China’s Supreme People’s Procuratorate—The People’s Republic of China and the Criminal Law of the People’s Republic of China