(1) Pay attention to your credit status. At present, people's banks all over the country can use my ID card to check my credit report. Shanghai and other places are even opening online credit inquiry methods.

(2) If it is determined that you have not filled in the credit card application form, you should immediately sue the bank to the court and ask the bank to restore the credit record and eliminate the debt. At the time of prosecution, you should ask for handwriting identification of the application, which is the only and most recognized evidence of the court.

(3) Credit card bills and signatures can be authenticated within half a year of credit card consumption. If the bank deliberately delays this time (you have to prove that you have raised objections to the bank within six months), then the responsibility lies with the bank.