Legal analysis: If someone else uses your ID card, please call the police immediately. If you lend your ID card to others voluntarily, it is recommended to negotiate with the user to pay off the arrears as soon as possible, and then cancel the card, otherwise there will be a bad credit record. If I didn't apply for the credit card, I can file an objection in the service window of the Credit Information Center of the People's Bank of China, denying that I applied for the credit card. The Credit Information Center will forward the objection application to the issuing bank, which will verify the credit card application materials, and the objection application will be answered on the 20th.

Legal basis: Article 22 of the Measures for the Administration of Bank Card Business, the issuing bank charges 5% of the overdue fine and 5% of the excess credit for the outstanding minimum repayment amount of credit card holders.