1. The second-generation ID card was lost and was used to apply for a credit card. Once someone fraudulently applies for a credit card and fails to repay the amount after overdrafting, overdue debts and bad credit records will be recorded on your head. Since the cardholder has not submitted an application for a credit card to the bank and has not signed a credit card business contract with the bank, no loan contract has been formed with the bank. If someone else fraudulently uses his information to apply for a credit card from a bank and uses it as an overdraft, he should not be responsible for the resulting debt. 2. Solution: The cardholder reports to the bank in writing and requires the bank to eliminate negative effects such as bad credit records. In addition: when a bank applies for a credit card or debit card, it shall be examined based on the combination of the person and the certificate, and only those who pass the examination can apply. Therefore, you cannot apply for a card with just your ID card and ID card information. If the bank fails to fulfill its review responsibilities, the bank shall bear legal responsibility. However, if your ID card is deceived, you should immediately apply for a new one and report it to the public security agency that issued the ID card.