If you lose your ID card and someone else applies for a credit card, the first thing you should do is call the police, and the second thing is to negotiate with the bank that handles the credit card.

If you find suspicious information on your personal credit record, you can go to the relevant bank to confirm it first. If you find that the personal bad credit record is caused by bank errors, the relevant bank can report it to the People's Bank of China for elimination.

If someone takes our ID card to the bank counter to apply for a credit card, the staff will check whether the ID card information matches the applicant's, and they will also need to sign for confirmation, take a photo for confirmation, etc. So even if someone picks up our ID card, they can't apply for a credit card at the bank counter. If the bank fails to fulfill its review obligations, the bank shall bear primary responsibility for the resulting consequences. The bank will be responsible for overdrafts or even credit stains caused by credit cards used under false identities. There is no need for customers to repay, and the bank is also obliged to cancel the bad credit record.

If the ID card is lost and used by others, the impersonator and relevant departments should bear corresponding legal responsibilities. The person who lost the ID does not need to bear responsibility for actions that he did not commit.

: An ID card is a document used to prove the identity of the holder. It is mostly issued to citizens by governments of various countries or regions. It will serve as a certification tool for each person’s unique citizenship. The emergence of a large number of new technologies allows ID cards to contain biometric information, such as photos, facial features, palm features, iris scan recognition or fingerprint recognition. Other information that usually appears on ID cards (or in databases) includes: full name , parents’ names, address, occupation, ethnicity (in multi-ethnic countries), blood type and coagulation factors. For citizens under 16 years old who voluntarily apply for an ID card, the ID card is valid for 5 years; for citizens aged 16 to 25 years old, the ID card is valid for 10 years; for citizens aged 26 to 45 years old, the ID card is valid for 20 years; for citizens over 46 years old For citizens, the ID card is valid for a long time.

After the ID card is lost:

1. Report the loss. The purpose of reporting the loss is to prevent the ID card from being used fraudulently for communications, banking and other services, or being maliciously owed money and causing trouble to the person concerned. To cause unnecessary trouble.

2. Prepare your household registration book as soon as possible and go to the police station to apply for a replacement. You can also bring a copy of your ID card for application;

3. In order to prevent criminals from using your ID card to commit illegal acts, it is best to It is best to apply for a loss statement;

4. If you don’t want your life to be affected, you can also apply for a temporary ID card when you apply for a replacement. The temporary ID card can be obtained on the same day.