1. What should I do if my ID card is fraudulently used to apply for a credit card?
ID card stolen credit card processing method: alarm processing.
1. You don't need to call the police in different places, just go to the local police station.
What needs to be done is to ask the bank to issue a "credit card objection statement" or similar certificate, and keep the original. There is no need to take care of this card, and the cardholder is not responsible.
3. If the cardholder's ID card is stolen, just report it to the police station and keep the receipt.
4. There is no responsibility for non-repayment, which is the responsibility of lax bank review. As long as the cardholder can fully prove that this card is really not done by himself, then
cardholder
Instead, you can ask the bank to compensate for its own losses and restore its credit record.
5. If you go to the People's Bank, you can find that the overdraft of this card is only 2 years, but the specific usage record is that the card was swiped there at the issuing bank, but this card is really not handled by me.
cardholder
There is no need for such detailed usage records.
Second, the correct way and consequences after the loss of ID card
1. According to the relevant provisions of the Law of the People's Republic of China on Resident Identity Cards (hereinafter referred to as the Law on Resident Identity Cards), citizens who lose their resident identity cards should report the loss to the local police station where their permanent residence is located. According to the provisions of the Notice of the National Development and Reform Commission and the Ministry of Finance on the charging standards for resident identity cards and related issues, the replacement fee for the lost or damaged second-generation resident identity cards is 40 yuan.
2. The behavior of citizens to report the loss and reissue their certificates is also to inform the public security organs of the fact that their certificates have been lost. There is no need to report the loss and make a newspaper statement, and there is no relevant law requiring citizens to report the loss and make a newspaper statement after losing their resident identity cards. Resident identity card is the legal identity document of citizens, and its main function is to prove their identity when they engage in related activities. When a citizen uses a resident identity card to prove his identity, all relevant departments have the obligation to check the consistency of the witness card, and can handle relevant business for the holder only after it is confirmed to be correct.
3. If the resident identity card is lost and fraudulently used by others, the fraudulent user and the relevant departments shall bear corresponding legal responsibilities, and the person who lost the resident identity card shall not be responsible for the behavior that he did not implement. The Law on Resident Identity Cards also clearly stipulates that anyone who fraudulently uses another person's resident identity card shall be fined between 200 yuan and 1,000 yuan by the public security organ or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated. Here, the masses are also reminded that in order to reduce unnecessary troubles, important identity documents such as resident identity cards should be properly kept to prevent loss and theft as much as possible.
When the cardholder himself finds that someone is using his ID card to apply for a credit card, he can call the police at the first time. At the same time, we must inform the bank of this situation, otherwise the subsequent credit card arrears or overdue, the bank will mistakenly think that it is the cardholder's own problem. So you should ask the bank to issue a credit card objection statement immediately to avoid other problems in the future.