1. I have no legal responsibility. If I still owe money, it is mainly related to the applicant.

2. There may be arrears in the future, and the bank will call this number for dunning at the first time. It's very troublesome to handle. Maybe you can only change your card because the bank is more diligent in debt collection.

3. As long as you don't use your ID card to get a credit card, it has nothing to do with yourself.

For example: A used A's ID card to apply for a credit card, but when writing materials, B's mobile phone number was written as contact information. Generally speaking, you can't apply for the exam, because you need to contact A to confirm whether you have applied for it yourself, and you need to check the information. If B keeps calling and A can't reach you, the bank will refuse to issue the card.