How can the bank handle the credit card without me

In this case, the credit card is not handled by me, but the user needs to repay the money when using it, otherwise the bank will take corresponding measures later. You can call the police and let the police intervene in the investigation.

Legal basis:

Article 266 of the Criminal Law of the People's Republic of China

If the amount of public or private property is relatively large, it shall be sentenced to not more than three years, criminal detention or public surveillance, and if the amount is huge or there are other serious circumstances, it shall be sentenced to not less than three years but not more than ten years, and if the amount is especially huge or there are other especially serious circumstances, it shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.

article 192 whoever illegally raises funds for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to not less than three years but not more than seven years, and if the amount is huge or there are other serious circumstances, he shall be sentenced to not less than seven years or, in addition, fined or confiscated.

if a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

can I open a credit card without myself?

credit card counter opening must be done by myself, and others can open the card through other channels, but they need the relevant information of the card owner.

according to article 49 of the measures for the supervision and administration of credit card business of commercial banks, the card-issuing bank shall establish operating rules for credit card activation, and check the identity information of credit card holders before activation. Credit cards whose contract (agreement) has not been signed by the applicant and whose identity has not been confirmed by the activation program shall not be activated. New credit cards, loss reporting and card replacement, damaged card replacement and expired card replacement must be activated before they can be used by cardholders.

the credit card cannot be charged without the cardholder's activation. Under special circumstances, except for the fees charged by the cardholder in writing, customer service telephone recording, electronic signature, and the way recognized by both the cardholder and the issuing bank, and the creditor-debtor relationship formed when changing the card. Credit cards are not allowed to issue any gifts or gift certificates without being activated and used by the cardholder.

Extended information:

Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 53 Without the cardholder's application and the opening of card service exceeding the credit limit, the over-limit fee may not be deducted in any form. Cardholders can use oral (customer service telephone recording), electronic and written methods to open or cancel the card service exceeding the credit limit.

the issuing bank must provide information about the charging form and calculation method of the over-limit fee before opening the over-limit card service for the cardholder, and clearly inform the cardholder of the right to cancel the over-limit card service. After the issuing bank collects the overrun fee, it shall clearly list the amount of overrun fee in the corresponding billing cycle in the statement.