When handling credit cards or debit cards, banks should review them according to the integration of people and cards, and only those who pass the review can handle them. Therefore, it is impossible to apply for a card only by ID card and ID card information. If a bank fails to fulfill its review responsibility, it shall bear legal responsibility. However, if the ID card is cheated, you should immediately re-apply to the issuing public security organ and report it.

1. According to the relevant provisions of the Law of the People's Republic of China on Resident Identity Cards (hereinafter referred to as the Law on Resident Identity Cards), citizens who lose their resident identity cards should report the loss to the local police station where their permanent residence is located. According to the provisions of the Notice of the National Development and Reform Commission and the Ministry of Finance on the charging standards for resident identity cards and related issues, the replacement fee for the lost or damaged second-generation resident identity cards is 40 yuan.

2. The behavior of citizens to report the loss and reissue their certificates is also to inform the public security organs of the fact that their certificates have been lost. There is no need to report the loss and make a newspaper statement, and there is no relevant law requiring citizens to report the loss and make a newspaper statement after losing their resident identity cards. Resident identity card is the legal identity document of citizens, and its main function is to prove their identity when they engage in related activities.

When a citizen uses a resident identity card to prove his identity, all relevant departments have the obligation to check the consistency of the witness card, and can handle relevant business for the holder only after it is confirmed to be correct. 3. If the resident identity card is lost and fraudulently used by others, the fraudulent user and the relevant departments shall bear corresponding legal responsibilities, and the person who lost the resident identity card shall not be responsible for the behavior that has not been implemented.

The Law on Resident Identity Cards also clearly stipulates that anyone who fraudulently uses another person's resident identity card shall be fined between 200 yuan and 1,000 yuan by the public security organ or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated. Here, the masses are also reminded that in order to reduce unnecessary troubles, important identity documents such as resident identity cards should be properly kept to prevent loss and theft as much as possible.

Banks should not easily tell others their credit cards and passwords. In addition, if they need to increase the credit limit of credit cards, they should consult the issuing bank and apply directly to the bank.

2. What should I do if my ID card was stolen ten years ago and my credit card or loan is not returned?

I don't think so. If you want to apply for a credit card, you must take your ID card to the bank. The staff will check the contents filled in according to your ID card.

3. What should I do if someone steals my ID card and my credit card is in arrears?

Direct alarm processing. The victim should contact the bank in time to explain that someone else used his ID card to apply for a credit card, but he didn't use it, and asked the bank to restore personal credit and eliminate debts. If there is a dispute with the bank, it can be settled.

1. What if someone uses my ID card to apply for a credit card? If someone uses my ID card to apply for a credit card, they can call the police directly. (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. (2) If it is determined that the credit card application has not been filled in, the bank shall be immediately required to restore the credit record and eliminate the debt. Handwriting identification is the only and most recognized evidence when applying. (3) Credit card bills and signatures can be authenticated within half a year of credit card consumption. If the bank deliberately delays this time, then the responsibility lies with the bank. Second, whether it is a crime to use someone else's identity to overdraw a credit card. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property. Third, how to prevent being impersonated to apply for a card 1, and don't put your ID card and your mobile phone together. The strong magnetic field generated by the high-frequency electromagnetic wave emitted by the mobile phone will magnetize the magnetic chip in the ID card. Once degaussed, the identity information may be unreadable, which will bring trouble to travel or handle business. Try to put your ID card in your close-fitting pocket in public, and don't show it to strangers. Don't lend your ID card to others. Even a copy of your ID card can be used by others to handle some financial business. So we should also take it seriously and not throw it away at will. 4. Don't mortgage your ID card to others. Many migrant workers often mortgage their identity cards to their bosses, which seems to ensure the loyalty of employees, but in fact it brings security risks to migrant workers. These small bosses hold a large number of citizen ID cards, and if they are used for illegal purposes, the consequences will be very serious. 5. If the ID card is lost, you should go to the public security organ for replacement procedures in time, and if necessary, you can publish a report on the loss in the newspaper to avoid unnecessary losses. When the victim discovers that his identity card has been fraudulently used to apply for a credit card, he should report the case to the public security organ at the first time and recover the loss through the help of the public security organ. At the same time, he wants to get in touch with the bank and explain that the overdraft behavior of the credit card is not his own operation, but someone else uses his ID card to handle the credit card and negotiate a reasonable solution with the bank.

Fourth, many online loans have been paid off, but the credit information has been spent. How long does it take to collect credit?

It is said that it will take five years, but you can accumulate more credit online loans first and try not to touch them. If the consumption is repaid in full and on time, it will be gradually covered by the current good credit. If you need a loan to buy a house or wait for a bus, some banks or institutions may not find your record for five years.

Credit information can be divided into several types.

1, if there are too many credit cards applying for loans, the application records of more than one year will be displayed on the credit information, and the inquiry of 10 times a year is not allowed. Credit guarantee lending institutions will require no more than four times in a month and no more than six times in two months. Of course, there are also the number of queries in the database.

2, when applying for a loan or credit card, I changed my work unit many times, which led to confusion of work information, unstable work and no stable pressure.

3, personal name network products, generally high interest, low amount, if there are many names, it will also affect credit, when approving large loans, the audit center will simply judge your income ability.

4. Too many credit cards or loans overdue or long overdue time. Individual general credit institutions will require no 2 in the last three months, no 2 in the last year and no 3 in the last two years. If the overdue time is long, more than 2 months, then it is close to the black household.

How to solve the problem of credit information flower

1, so one way is to wait without applying for any credit cards and loans.

2. Don't apply for other loans and credit cards if the existing name is overdue. As long as the repayment is normal, the online loan can be settled in advance, so it will pass the 1 credit report.

Performance of credit investigation.

There are two possibilities for credit investigation: First, your previous online loans are often overdue, but more than once in a short period of time). Different situations, different disposal measures.

1, frequently overdue

According to the latest regulations of the central bank, the bad records in personal credit information are kept for five years after settlement, and the system will automatically cover them after five years, so as long as all the online loans have been paid off, your credit information report will be another hero in about five years.

2. Frequency

If your own online loan does not have any frequent borrowing records, your collection time will be shorter than frequent overdue. Generally speaking, the online loans that banks pay attention to are mainly in the last three years. If you don't have any online loans in the last three years, you won't care, so as long as you reduce the online loan application records in the last three years, you will still be a good person after three years.

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Credit information is usually influential, but when you need it, you will know how important it is, as long as you want to get loans from formal financial institutions such as banks. If you have plans to buy a house in the near future, don't touch online loans for a year or two. Online lending is a restricted area for banks, and basically whoever touches it will hang up.

This depends on how much it costs!

After a year of loan, I read many customers' detailed credit reports. The detailed version of credit information records every loan record of personal credit information, and credit cards are also loans.

If there are three consecutive credit reports (that is, more than 60 days overdue), then the risk control of all banks will be rejected, that is, the bank's big data will not pass. I can't keep it for a long time. Some people say that credit information can be repaired, which is false. Don't believe it. For three consecutive years, the credit investigation is the most serious, and only a large number of overdue cases can be supported. Regular loan companies generally look at the customer's credit report within five years. A more relaxed general requirement is that there cannot be three consecutive days in two years (10) and three consecutive days in five years (15). The strictest thing is that Ping An Bank will look at the number of inquiries within two months. Therefore, credit investigation can be carried out for three consecutive years, and generally it will have no effect after more than five years. This is just the impact of personal credit information on loan demand. Finally, I would like to remind you that personal credit information can be printed at the self-service machines of some big banks or real estate bureaus, but only once a day. Credit information can be divided into ordinary version and detailed version. When printing, a detailed version must be selected. Every time you print, you will get a credit report, and the number of inquiries will be recorded. Credit card applications and online loan applications will be recorded whether they are approved or not. Don't ask too many questions for six months. If you have any questions, ask me. I hope I can help you. If you have a loan problem, you can also help everyone.

1, eliminated by time. After the overdue period, the bank will upload the overdue information to the credit information system of the People's Bank of China, resulting in a credit stain. If the personal credit report is overdue, a good credit record will be maintained from the date of paying off the arrears, which can be cleared after 5 years. In other words, the credit stain will be automatically eliminated after five years on the premise of paying off the arrears.

2. Explain to the bank at the early stage of overdue. Many overdue repayments are not intentional, but they forget the repayment date. At this time, you should contact the bank and loan platform at the first time to explain that you didn't intend to overdue, pay off the loan in time, and try to eliminate bad credit records.

3. Apply to the bank for objection after the deadline. Not all overdue cases are due to their own reasons, and sometimes personal information may be caused by impersonation or bank mistakes. If it is found that the credit report is wrong, it is necessary to submit an objection application and related materials to the local credit center of the People's Bank of China in time. In addition, the method of supplementary proof can be used to provide financial institutions with "non-malicious overdue certificate" and "loan use certificate" to prove that their behavior is not wrong or the wrong behavior is not serious.

4. Clean up bad debts in time. "Bad debt" is a terrible word! So be sure to clear your bad debts, keep a good credit record after paying them off, and eliminate them after 5 years.

For more information, please consult Yiyou Legal Affairs, official website. Thank you for your support!

What part of the credit investigation do you mean? Two situations: 1: There are many online loans and some single institutions recycle them (such as borrowing money), and there are many inquiries (generally, online loan subscribers can't get the quota, and then try the next link, resulting in more inquiries from institutions); 2. When the online loan was used in the early stage, it was overdue due to the inability to repay, resulting in credit investigation.

If it is the first case: after you settle the account, don't click on the online loan easily in the later period, and don't generate too many inquiry records. Of course, this refers to the credit card inquiry of loan approval. After two years, it won't have much impact on your application for a loan at the bank.

The second case: the cost of credit investigation caused by overdue: the approval requirements of general banks for loans are 6-8 1 within two years, 2-0 within two years and 3-0 within five years (here 1, 2-3 refers to the overdue time of a single account, 1 refers to paying off the overdue amount within one month, and so on). So it depends on how late you are. Generally speaking, it is ok to receive a credit report that is overdue for more than three months and more than two years. Overdue for more than 90 days, updated once every five years.

Thanks for reading!

Don't listen to five years, ten years, live first, the law still supports cash transactions.

Three to five years, something like that.

Five years.

There are many online loans. After the settlement, it will take about one year to fully submit the credit information. If there is a demand for funds in the near future, it is also possible to raise funds for two months or six months.

Generally speaking, banks mainly look at the inquiry records in the last month, the last two months and the last six months, and rarely look at the inquiry records for more than half a year, but the inquiry records of institutions for more than half a year will also greatly affect the comprehensive score.

Therefore, if you don't need money in the short term, keep it for at least one year and don't touch the credit information. If you need funds in the short term, it is ok to raise them in two or six months.