The first is to "steal" your identity and bank card to get a loan. In this case, you don't realize it. If you can provide proof that your ID card and bank card were stolen, and the contract was not signed by yourself, you can completely refuse to repay. In this case, the responsibility lies with the bank, and you have no responsibility. The second is to "borrow" your identity and bank card to borrow money. In this case, you are told that you may cooperate. If so, no matter who uses the money, you have to bear the responsibility of repayment. Legal basis: Article 6 1 of the Interpretation of the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management. If the cardholder, for the purpose of illegal possession, overdraws beyond the prescribed limit or within the prescribed time limit, and fails to return it after two times of collection by the issuing bank for more than three months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. 2. "Malicious overdraft" or "credit card fraud" with a large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed.