Why are there two credit cards in my name that I have never applied for?

Xiaocai recently received a message from a netizen, Mr. Gao, saying that he was checking his credit record. At that time, I found that I had two credit cards in use. One card had a limit of 6,000 yuan and had spent 5,515 yuan. The other card had a credit card limit of 20,000 yuan and had spent 20,050 yuan. But Mr. Gao said that he had never applied for a credit card, let alone used it. So where did these two credit cards come from?

According to Mr. Gao, after discovering this situation, he first found the bank. "I went to two banks to argue, and they said I don't have to pay it back. I asked him and I said if I don't have to pay it back, I said who will be responsible for credit problems. He said we can't clear it for you, and I said we can't clear it for me. I didn’t sign, and you didn’t record the card when I sent it. There is no record of me. I’m telling you how the card was issued. In addition, my ID card is on me, and where did it come from?”

Both companies. Banks all responded that according to bank regulations, credit cards can only be processed by the person bringing his or her ID card.

Mr. Gao didn’t understand. In this case, he didn’t go there himself, and he didn’t entrust his ID card to others for safekeeping. So how did he apply for these two credit cards?

The bank staff said that they now know that the person who used the card is a customer officer named Wu, and that the bank has also applied for a credit card collectively for the user's workplace.

In the (county) government office building, the business asked me to do it, and I got a lot of it. The ID card is probably correct. Sometimes the (photo) of the ID card, young or old, If I didn't see it, there was a mistake, but it means I found the person (using the card).

The staff said that since the bank went to the unit to apply for the card, the staff may not have verified them one by one. It is possible that the card applicant and the card user are not the same person.

The staff said that they could first help Mr. Gao cancel the credit card account, and then the bank would conduct a detailed investigation to see if there was any actual operational error in the bank, and finally give Mr. Gao an explanation.

Lawyer’s statement: If there is evidence that the credit card was not handled by the banker personally, then the bank should be responsible for the corresponding lax review to the depositor. If it causes corresponding losses to the depositor, Then the bank also needs to be responsible for compensation, and the person who uses the customer's ID card to apply for a credit card needs to be responsible for the corresponding civil liability.

Will there be any problems if I have never applied for a credit card? Come and take a look!

Nowadays, whether you are applying for a credit card or an online loan, there are certain requirements for credit reporting. For example, if there are problems with your credit reporting, it will be difficult to pass the review. There are many people who have never applied for a credit card and think their credit score is good. But the credit check turned out to be problematic. So, why are there problems if you haven’t applied for a credit card before? Let’s take a look.

Will there be any problems if I have never applied for a credit card?

There will be problems. After all, it is not just credit cards that affect your credit report, but also loans and other overdrafts that are listed on your credit report.

1. Let’s talk about loans first. Many loans are now listed on the credit report. Although you have not applied for a credit card, but you have applied for a loan, the loan approval will be left on the credit report from the beginning of the loan application. Query the record and the loan information will be displayed if the application is successful. If there are too many hard inquiry records in a short period of time, it will be easy to spend money. If the loan is not repaid in time, there will be problems with the overdue credit report. In the smallest case, it will be overdue, and in the worst case, there will be bad debts, compensation and other special transaction records. wait.

2. Let’s talk about credit cards. Some people think that if they have never applied for a credit card, they have not applied for it. However, they have applied for it. Even though they did not pass the review, they have also been checked for credit. Leaving a hard query record of credit card approval on the credit report, which will also cause damage to the credit report in a short period of time; also, if you have never applied for a card, but someone else applied for a credit card under your name, or the loan is not repaid, it will also lead to There is a problem with the credit report, but this is a special case. You can file an objection application and ask the credit reporting agency to cancel it.

In addition, there are also guarantees for others. The borrower's failure to repay overdue payments will also affect the guarantor's credit report; and judgments related to financial matters will also be recorded on the credit report. These are also problematic credit reports, even if you have never applied for a credit card.

Will not having a credit card affect your loan?

Many friends will think that credit cards and loans are two different things. Not having a credit card will not affect your loan application. Even so, I want to tell you. Yes, applying for a credit card can increase the success rate of loan application. Why is this?

Many users who have never applied for a credit card will go to the bank for a loan when they are in urgent need. However, one of the application conditions for loan products of many lending institutions is that they "do not accept white credit accounts." This is undoubtedly a blow to those white credit accounts and completely blocks their way to make money.

So, why is the loan application for Baihu rejected?

The main reason why Baihu’s application for a loan was rejected is that they have never applied for a credit card and have never applied for a loan. Therefore, in terms of credit reporting, it can be said that they are not very qualified because the bank is under the central bank Their credit report cannot be found on the credit reporting system. Here are two points to explain:

1. The personal credit report on the central bank’s credit reporting system is used by banks to examine the applicant’s integrity. A very important basis, so when approving a loan, banks and some other lending institutions will check the applicant's personal credit report.

2. Because Baihu has not handled any bank-related business, their credit record is blank, which makes it impossible for banks or lending institutions to know the applicant’s credit. situation, so generally they will not be easily approved for loans.

The easiest way to get rid of the white household status is to apply for a credit card

After applying for a credit card and holding the card for consumption for 3 to 6 months, then the credit information system will It will have your credit record. If you repay your purchases on time and establish good personal credit, it will be of great benefit to apply for a loan.

Of course, in addition to helping to apply for a loan, applying for a credit card also has many benefits. For example, you can participate in the credit card promotions of major banks, which can save a small amount. Of course, applying for The most important thing about a credit card is that it can be used for emergencies when you have no money.

Credit cards are so good, but for white accounts, you may not be able to get approved once you apply. For those who are currently rejected, please try to apply from several banks, as long as you have a stable income. and proof of property, you will definitely succeed if you try a few times.

Why do you say there is a problem with my credit report when I have never applied for a credit card or loan?

The reason for low credit is that on the one hand, the credit card and loan are overdue, and on the other hand, it is because you have not applied for any loan. With a credit card, there is no good information to prove your financial ability, so your credit rating will be relatively low.

As long as your credit is not low due to overdue payment, it is easier to handle. The best way is to apply for a credit card and then use the card to make purchases normally. This will slowly improve your credit.

Extended information:

Taboos about credit reporting:

1. Overdue

Nowadays, the number of people with credit cards is gradually increasing, and Once a credit card is overdue for three consecutive times or a total of six times within two years, or if an overdraft is not repaid before the repayment date, a record will be left in the personal credit report, which will naturally affect the future. Home loan application.

At the same time, in addition to credit cards, if you have already had a house loan or a car loan before, be sure to repay it on time, otherwise, the repayment status of the old loan will also affect your subsequent payments. Other loan applications.

2. Always pay attention to loan interest rates to avoid overdue interest

Bank loan interest rates are different every year. If bank loan interest rates increase, interest will naturally increase. At this time, if you still pay the monthly payment according to the original amount, the interest arrears will be overdue, which will also affect your personal credit score.

3. You must use it after the credit card is activated

As long as the credit card is applied for, it will be used. However, some people apply for credit cards to help their friends complete their performance. After getting a credit card, many people will put the credit card aside. In the long run, it will become what we call a "zombie card".

In fact, many people don’t know that these credit cards will incur annual fees even if they are not used, and if they are not paid, they will produce a negative credit record. Therefore, it is best to think carefully when applying for a credit card, so as not to use it again.

For those users who have already applied for a credit card, if they really don’t want to use this credit card, it is best to cancel it to avoid any impact on themselves!

How to check your credit report if you have not applied for a credit card?

You can check your credit report even if you have not applied for a credit card. Applying for a credit card and checking your credit report are two different things. However, when applying for a credit card, a personal credit report will be checked. When checking credit information, you can go to the official website of commercial banks, local branches of the People's Bank of China, or the Credit Information Center of the People's Bank of China. Users can choose one.

When making inquiries on the official website of the Credit Reference Center of the People's Bank of China, you must first register and then make inquiries. No fees will be charged when making inquiries, and there is no limit on the number of inquiries. However, it is recommended that you do not check your personal credit report frequently, otherwise it will have an adverse impact on the individual. Usually, the more inquiries you make, the more debt the bank thinks the user has.

Personal credit records record personal basic information, bank credit transaction information, credit inquiry history and other information. This information is shared by financial institutions. As long as there is a default record in one, other Financial institutions can see this when they check their credit report, which is why you need to make sure your credit record is good.

If there are bad records in the personal credit report, you must deal with it quickly. Generally, it will be kept for 5 years after being processed, and it will automatically disappear after 5 years. If the bad credit record is not processed, it will affect the user's application for loans or credit cards, and this record will never disappear and will always be in the credit report.

You can check it even if you haven’t applied for it

This is the end of the introduction about why you have not applied for a credit card and why you cannot apply for a credit card. I wonder what you will find from it. Got the information you need?