I do not have to bear the consequences if my identity card is stolen and my credit card is in arrears. According to the following:

Article 17 of the "Resident Identity Card Law of the People's Republic of China" stipulates: Anyone who commits any of the following acts shall be fined not less than RMB 200 but not more than RMB 1,000 by the public security organ. Or be detained for less than ten days, and if there are any illegal gains, the illegal gains will be confiscated:

Whoever uses another person’s resident identity card or uses a fraudulently obtained resident identity card. Buying, selling, or using forged or altered resident identity cards. Forged or altered resident identity cards and fraudulently obtained resident identity cards shall be confiscated by the public security organs.

Extended information:

ID card invalidation information system:

In the future, lost or stolen ID cards will become invalid and can no longer be used. Huang Ming, Deputy Secretary of the Party Committee and Deputy Minister of the Ministry of Public Security, revealed during a discussion with bank branch staff that the Ministry of Public Security has built an information system for invalid resident ID cards and has recently put it into trial operation. After the bank pilot, it will be provided to various departments in society that use ID cards to work with them. Existing citizen identity information systems are verified online.

The establishment of an information system for invalid resident identity cards is another reform measure launched by the Ministry of Public Security in response to social concerns to serve the general public and ensure the safety of the use of resident identity cards. It will be implemented by social card-using departments and units The resident ID card verification responsibility provides an important auxiliary means.

This information system has the functions of real-time data updating and dynamic maintenance. Through online verification by various ID-using departments and units in society, all lost and stolen resident ID cards will be immediately invalidated and cannot be used in society.

ID cards that have been lost or stolen, as well as old ID cards that have been replaced with new ones, will be entered into the system as invalid ID cards. This means that as long as the ID card is reported lost, it will immediately become invalid. Banks and other relevant departments can verify the invalidation information through the system and it can no longer be used.

Baidu Encyclopedia - Resident Identity Card Law of the People's Republic of China

Baidu Encyclopedia - Identity Card