it's probably a fraudulent phone call. I suggest you ask which bank's credit card it is, and ask the card number. If the other party can't answer this, it is full fraud. If I tell you the bank card number, I suggest you call the official customer service phone number of the bank and ask for details. If it is found out that you really owe money, then someone may have applied for a credit card by faking your information. Then it is recommended that you apply to the local people's bank for personal credit information and negotiate with it. It is necessary for the other party to use your information to apply for a credit card. As long as it is not your signature, you are justified everywhere. The credit card handlers are not strict and do not compare the ID card with themselves in detail. They can't say this clearly. Don't panic in this case, the impostor should actively negotiate with the bank that handles loans and credit cards. If the bank refuses to solve the problem, it can appeal to the people's court and ask the bank to bear the corresponding legal responsibility caused by "lax examination". The impostor should pay attention to collecting evidence. In view of the fact that the various contracts and evidence of the impostor loan are not signed by himself, he can apply for legal appraisal. The impersonator should not listen to the rumor that any intermediary agency can "whitewash" the credit record, and choose formal legal procedures to solve the problem.

According to the Announcement on Regulating the Use and Management of Resident Identity Cards

5. State organs or relevant units and their staff should conscientiously perform the verification obligations of resident identity cards and strictly implement the responsibility of verifying the consistency of people and certificates. Failure to perform verification obligations according to law causes damage to citizens' legitimate rights and interests or public interests, and shall be investigated for responsibility in accordance with relevant regulations. Citizens should consciously cooperate with the verification of resident identity cards and safeguard their legitimate rights and interests according to law.

6. In the process of performing their duties or providing services, the staff of state organs or relevant units shall check the identity of the identity card holder and the identity card on the spot, and shall not record the personal information of citizens recorded in the identity card without authorization.

IX. State organs or relevant units should establish a "blacklist" system for people with bad credit records. Individuals who fraudulently use other people's identity cards should be included in the "blacklist" database of bad credit records, and an information sharing mechanism should be established to make necessary restrictions when performing their duties or providing services, so as to promote the implementation of the joint disciplinary mechanism.