I have heard of people being prosecuted by the procuratorate for deliberately overdrafting with credit cards, but using a relative’s ID card to apply for a bank card to maliciously overdraft is quite new. Recently, the Nanchang County Procuratorate in Jiangxi Province handled a case of using the brother-in-law’s ID card to apply for an overdraft card.

In August 2012, the criminal suspect Huang’s brother-in-law Yao had been living in his home. Huang thought that Yao was eating and drinking at his home every day, so he wanted to apply for a certificate in his name. Use credit card. One day, while Yao was sleeping, Huang stole Yao's ID card that he had placed on his computer desk. He contacted Hu, who was doing credit card processing at a bank, and asked Hu to help him apply for a credit card in the name of Yao. For a credit card, Hu offered to help with the application, but a card application fee of 2,500 yuan was required, and Huang agreed.

In the afternoon of the same day, Hu took Huang to a bank card application center in Hongcheng Market, Nanchang City, and applied for a card for his brother-in-law Yao without his knowledge, and forged Yao's ID card. Proof of work and other supporting documents from a shoe company in Jiangxi, as well as counterfeit signatures. The contact number Huang left for the bank was also his mobile phone number. Half a month later, Hu informed Huang that a bank credit card in the name of Yao had been processed, with a limit of 15,000 yuan. Huang has been using the card for consumption and repaying normally.

But in 2015, Huang and Yao's sister Yao divorced due to emotional disagreement, and gave a house worth more than 700,000 yuan to Yao. But afterwards, Huang thought that a house had been given to Yao, and he felt a little unwilling, so he wanted to cash out the money in the credit card limit applied for with Yao's identity and let Yao and Yao pay it back. So Huang increased the limit of this credit card by 7,000 to 22,000 yuan, and found someone to cash out the 22,000 yuan in the card for his daily expenses. Huang has never returned the money to the bank. After many calls from the bank for repayment, he deliberately refused to answer the phone and evaded repayment.

Recently, the Nanchang County Procuratorate prosecuted Huang on suspicion of credit card fraud. The prosecutor handling the case reminded: Banks must check customer information when applying for credit cards to prevent them from being used by criminals. At the same time, we must strengthen internal management, improve corresponding systems, and standardize credit card processing procedures.