From a personal point of view, you need to know whether you know about this credit card that was opened under your name. 10 years is not a short time. If you know it yourself, it means that you gave your ID card information before. I lent it to someone else, and the only thing I can do now is to find the other person and pay off the credit card loan as soon as possible. If you don’t know the existence of this card, the first option is to call the police. After all, this involves fraudulently using other people’s information and causing you losses. The second option is to issue relevant certificates to explain the situation to the bank, and tell the bank your current situation in as much detail as possible. The situation is clearly explained, but the bank may not accept the certificate.