The woman's ID card was once lost. When the two things are combined, it is obvious that the lost ID card was stolen. This card was probably issued by the person who was stolen.

Some netizens discovered that they and their husband had deposited their wages into a bank card of the Agricultural Bank of China, but their wages were deducted. When they asked the bank, they were told that they had applied for a credit card.

But the netizen had never applied for a credit card. When he couldn’t explain anything, the netizen’s husband was so angry that he was hospitalized.

What is going on?

In fact, this incident is not difficult to understand. After thinking about it, the netizen remembered that his ID card had been lost. When the two things were combined, it became obvious that the netizen’s lost ID card had been stolen. This The card was probably issued by someone who had it stolen.

In fact, the problem of losing your ID card and having to apply for a card has happened often before.

Many people think that if the ID card is lost, they can just apply for a new one. In fact, after the ID card is lost, it is necessary to declare the loss of the ID card as invalid in time, so that the ID card is truly invalid. .

Many people find it troublesome and often do not issue a statement about the loss of their ID card, which gives some criminals an opportunity to take advantage of it, and some lost ID cards fall into the hands of criminals.

As a result, there will be phenomena such as bank cards being issued, companies being registered, and loans being registered under false names, which may bring about a series of potential risks. A lost ID card is like an invisible time bomb. You can't see it, but the danger is always there.

Just like the netizen above, who lost his ID card once before, this ID card may have been picked up by someone with ulterior motives and applied for a credit card.

So how does the bank review things like using your ID card to apply for a credit card? Why can it pass?

This is actually a bit unfair to the bank. Nowadays, when applying for a credit card, you need to use a real-name system. The real-name system can only be verified through photo verification, which is verified by the public security system and the bank online.

That is to say, as long as a customer comes to apply for a card with an ID card, the machine can scan the ID card to determine the authenticity of the ID card, and the bank teller will compare the appearance of the card applicant with the photo.

Everyone also knows that the photos on some ID cards are actually very different from the person they are. If they look more distinctive, it is easy to identify them, but most people have ordinary faces. When receiving so many customers, sometimes it is difficult to tell whether it is the person applying for the card.

In fact, the loss of ID cards has always been a big problem. China is so big that ID cards are lost every day, and it is impossible to conduct investigations every day. The best way is to require the government to come forward to manage it. After all, it depends on It is really difficult for ordinary people to prevent losing their ID cards.

The following is a summary of the tricks used by people to open credit cards under false names:

1. In order to obtain people’s identity information, many illegal organizations deceive people into saying that they can apply for large-value credit cards on their behalf. There are many reasons. People who are unable to apply for a credit card through normal channels due to credit reporting issues or who are not satisfied with the credit card limit will be fooled and easily trust these illegal institutions, leaking their important information, resulting in a credit card being opened under a false name.

2. Bank employees leak user information in order to achieve assessment goals. For example: after the card application officer of Bank A obtains the identity information of the consumer who applied for a credit card at Bank A, he handed it over to the card application officer of Bank B. The bank card officer can use this information to apply for a Bank B credit card for the consumer. This has caused many consumers to apply for a bank credit card, only to find that they have multiple bank credit cards under their name.

3. In order to obtain higher profits, the bank card application clerk sold the user's card application information. After the criminals obtained this information, they opened a credit card under their false name. Or the bank card officer opens a credit card in the name of the customer and takes it as his own.

4. After relatives and friends know their personal information, they are in urgent need of cash flow and open credit cards under false names.

How can individuals prevent credit cards being opened under false names?

1. Do not disclose personal information easily. Nowadays, many websites or businesses hold activities and ask customers to leave some relevant information. Unless it is a formal, highly credible website or business, it is best not to leave your private information.

2. Don’t trust people who apply for credit cards. Many people who apply for credit cards under false names just trust the recommendations of colleagues, classmates, relatives and friends, and fall into the trap.

3. Pay more attention to bank information updates. Regularly check your credit records and bank information, and activate the SMS reminder function for bank cards and credit cards. You will be informed immediately if there are any abnormalities, and you can also quickly report them to the bank and the public security department.

4. Improve self-prevention awareness, keep your credit cards safe, and set complex passwords.

We would like to warn financial consumers to protect personal information to prevent leakage, especially ID cards and other documents, which are people’s most important and private personal information. They must not be lent or entrusted. Give it to others. At the same time, banks must strengthen risk control, standardize management, and strictly review and approve credit card applications to prevent criminals from taking advantage of them.