I lost my ID card and couldn't get a credit card if someone found it.
The credit card center needs to check the applicant's secret questions when reviewing. If it is not him, the general situation is unknown.
Copy a paragraph when I apply for a credit card: I have read all the application materials, fully understand and clearly know the relevant information of credit card products, and I am willing to abide by the rules of the contract.
If it is a network card, you need to go to the bank to sign it, and copy this sentence when it is opened.
If someone else uses their ID card to apply for a credit card, they can call the police. At this time, the bank will use the credit card in the name of the cardholder without the consent or authorization of the cardholder, which is a typical "fraudulent use of other people's credit cards".
After the bank finds out, it will list the fraudulent user in the bank's bad credit record or blacklist.
For cardholders who do not comply with relevant laws and regulations (those who use their cards fraudulently), the card issuer has the right to cancel their cardholder qualification, stop the use of cardholders' cards without prior notice, and may authorize relevant units to take back their credit cards.
If the cardholder violates the relevant provisions of the Articles of Association and causes losses to the card issuer, the card issuer has the right to apply for legal protection and investigate the legal responsibilities of the cardholder or related parties according to law.
If you suspect that your card has been fraudulently used, you can go to the local people's bank to check your personal credit report and see if you have applied for a credit card.
There are two ways to query personal credit information:
1. Log on to the personal credit information service platform of the People's Bank of China/,and you can query personal credit information after registration. Now only a few cities have opened inquiries.
2. With your ID card, go to the Credit Information Office of the local people's bank for enquiry.