1. Who is responsible if the identity is fraudulently used to apply for a credit card
1. If the identity is fraudulently used to apply for a credit card, it is the responsibility of the fraudulent user and the bank. To apply for a credit card, an organization or individual should fill out the application form in accordance with the regulations and submit it together with relevant information to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card. If the identity is used fraudulently and a credit card is issued, it is the responsibility of the fraudulent user and the bank.
2. Legal basis: Article 34 of the "Credit Card Business Management Measures"
To apply for a credit card, an organization or individual should fill in the application form in accordance with the regulations, along with relevant information. Send it to the card-issuing bank. For those who meet the conditions, the card-issuing bank will open a credit card account for the applicant and issue a credit card.
Article 17 of the "Resident Identity Card Law of the People's Republic of China"
Anyone who commits any of the following acts shall be fined not less than RMB 200 but not more than RMB 1,000 by the public security organ. A fine, or a detention of not more than ten days, and any illegal gains will be confiscated:
(1) Anyone who uses another person’s resident identity card or uses a fraudulently obtained resident identity card;
(2) Buying, selling, or using forged or altered resident identity cards.
Forged or altered resident identity cards and fraudulently obtained resident identity cards shall be confiscated by the public security organs.
2. Punishment for fraudulently using another person’s ID card
If someone else fraudulently uses another person’s ID card, or uses a fraudulently obtained ID card, which does not constitute a crime, he or she will be fined 200 yuan by the public security organ. A fine of not less than RMB 1,000 but not more than RMB 1,000 may be imposed, or a person may be detained for not more than ten days. If there is any illegal income, the illegal income shall be confiscated. If it constitutes a crime, anyone who forges or alters a resident ID card will be held criminally responsible in accordance with the law.