Legal analysis: The bank is responsible if the ID card is stolen and the credit card is applied for. After the identity card is lost, criminals impersonate it to apply for a credit card. As a result, the bank suffers property losses that are beyond the control of the party concerned. Although the parties concerned have the obligation to keep their identity certificates, when the bank applies for a credit card for an individual, it should fulfill its inspection obligations. The inspection content includes whether the ID card is used by the person, the authenticity of the ID card, and whether the bank has successfully applied for a credit card. If the bank fails to complete the The bank shall bear the main responsibility for the consequences arising therefrom.

Legal basis: Article 3 of the "Resident Identity Card Law of the People's Republic of China" The items registered in the resident ID card include: name, gender, ethnicity, date of birth, permanent residence address, citizenship status Number, personal photo, fingerprint information, validity period of the certificate and the issuing authority.

The citizen identity number is a unique and lifelong identity code for each citizen. It is compiled by the public security organs in accordance with the national standards for citizen identity numbers.

Citizens who apply to receive, renew or replace their resident identity cards must register their fingerprint information.