Under normal circumstances, it is impossible to apply for a credit card with someone else's ID card. To apply for a credit card, you must be present in person and sign it, and the bank will call the individual to verify the relevant information. However, it is not excluded that illegal elements handle it by illegal means, so it is better to report the loss in time.

it is suggested to report the loss and reissue it in time.

I lost my second-generation ID card and was used to apply for a credit card. Once someone takes a credit card and fails to repay it after overdraft, the overdue debts and bad credit records will be recorded on their own heads.

since the cardholder has not submitted an application for handling credit cards to the bank and has not signed a credit card business contract with the bank, there is no loan contract with the bank. Others fraudulently use his information to apply for a credit card from the bank and overdraw it, and the debts arising therefrom should not be borne by him.

the cardholder reports to the bank in writing and asks the bank to eliminate the adverse effects such as bad credit records.