What should I do if my credit card is overdrawn? You should check whether your ID card is lost first. When handling credit cards or debit cards, banks should review them according to the integration of people and cards, and only those who pass the examination can handle them. Therefore, it is impossible to apply for a card only by ID card and ID card information. If a bank fails to fulfill its review responsibility, it shall bear legal responsibility. However, if the ID card is cheated, you should immediately re-apply to the issuing public security organ and report it. If a resident's ID card is lost and is fraudulently used by others, the fraudulent user and the relevant departments should bear corresponding legal responsibilities, and the person who lost his ID card is not responsible for the behavior that he did not implement. The Law on Resident Identity Cards also clearly stipulates that anyone who fraudulently uses another person's resident identity card shall be fined between 200 yuan and 1,000 yuan by the public security organ or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated. I would also like to remind everyone that in order to reduce unnecessary troubles, important identity documents such as resident identity cards should be properly kept to prevent them from being lost or stolen. In case of being impersonated, you must first report the loss of your ID card, then call the police, and then inform the bank to explain the situation. Because banks can't just handle cards with their ID cards, they also have to bear a large part of the responsibility. Reasons for being impersonated to apply for a card 1. The existing resident ID card management system does not explicitly manage the lost ID card. Specifically, after a resident's ID card is lost, even if a new ID card is reissued, the public security organs and other departments can't cancel the lost ID card information of the holder, resulting in the lost ID card having the same effect as the reissued ID card, so that criminals can use the ID card to open credit cards and various documents under the name of the ID card in the bank. In China, the identity card is an important document to identify individuals. If you lose it, you should pay attention to the risk of personal account and privacy disclosure. 2. Check the negligence of the bank witness card, which can be seen from the above. As for impersonating a card, in fact, there are very few cases of impersonating a card because of fraudulent ID cards, mainly genuine cards. Another important reason for impersonating a card is the inspection of resident identity cards. The staff of grass-roots verification units rely too much on the system to verify the authenticity of documents, and the witness verification is too weak. However, the relevant laws do not mention the rights and obligations of relevant institutions or individuals to carry out authentication and verification, and to some extent condone the occurrence of illegal acts such as fraudulently using other people's ID cards to handle cards. Even if the bank finds out that the card is issued under an impersonation, what the bank can do is generally to stop persuasion, and it is difficult to take substantive measures against the attempted card issuance under an impersonation, thus conniving at the frequent occurrence of such cases. 3. Identify technical loopholes. Many banks, as well as the simplification of the current card-handling process and self-service card-handling services, have bred fertile ground for impersonating cards to some extent. At present, financial activities, including stock account opening, can be verified by uploading ID cards, photos and materials, and the authenticity of identity can be verified by the appraisal of the backstage center. This way simplifies and facilitates people's lives, but it is easy for criminals to pass the "verification" by technical means to achieve the purpose of impersonating cards or doing business. This is largely due to recognition technology. However, safety and convenience are often a pair of contradictions. Whether to sacrifice a little security for convenience or to gain security at the expense of convenience can only be left to decision makers. 4. The crime cost is low. It is not easy to solve a case according to the relevant laws and regulations. For example, the Law of the People's Republic of China on Resident Identity Cards stipulates that "whoever fraudulently uses another person's resident identity card or uses a fraudulent resident identity card shall be fined by the public security organ from 200 yuan to 65,400 yuan, or detained from 65,400 yuan to 5,500 days. If there is illegal income, the illegal income will be confiscated ",and the punishment may not be compatible with the current level of economic development. In addition, banks and other institutions mentioned in the above 2 often only take measures of refusing to open an account and persuading them to leave even after admitting the impersonation of opening a card, and there is no clear stipulation on the punishment for the attempted impersonation of opening a card. Therefore, the illegal cost of criminals is extremely low, which increases the possibility of trying again. In addition, after the successful opening of fake cards, criminals often transfer illegal funds through online banking, mobile banking and even overseas operations, which has high time-space conversion, great difficulty in solving crimes and low detection rate. In addition, if the funds involved are not large, the case retention rate is high. All these have encouraged criminals to open cards under false names, which is also the main reason why such cases are repeatedly banned and difficult to handle. How to prevent being impersonated to apply for a card 1, and don't put your ID card and your mobile phone together. The strong magnetic field generated by the high-frequency electromagnetic wave emitted by the mobile phone will magnetize the magnetic chip in the ID card. Once degaussed, the identity information may be unreadable, which will bring trouble to travel or handle business. Try to put your ID card in your close-fitting pocket in public, and don't show it to strangers. Don't lend your ID card to others. Even a copy of your ID card can be used by others to handle some financial business. So we should also take it seriously and not throw it away at will. 4. Don't mortgage your ID card to others. Many migrant workers often mortgage their identity cards to their bosses, which seems to ensure the loyalty of employees, but in fact it brings security risks to migrant workers. These small bosses hold a large number of citizen ID cards, and if they are used for illegal purposes, the consequences will be very serious. 5. If the ID card is lost, you should go to the public security organ for replacement procedures in time, and if necessary, you can publish a report on the loss in the newspaper to avoid unnecessary losses. As a credit certificate, credit card is linked with the credit and property of the parties. If my credit card is overdrawn under someone else's fake name, I should call the police and then notify the bank to clarify the situation. As an institution handling credit cards, banks have the obligation and responsibility to verify. Therefore, in this case, banks also need to bear certain legal responsibilities.
What should I do if my credit card in the bank is handled under a pseudonym?
Legal analysis: First, if you can find the party who impersonates the loan, you can directly file a++lawsuit against it. However, because the fake lender does not use his own identity, it is difficult to verify after a long time, and the second method can be adopted; Second, actively negotiate with banks that handle loans and credit cards. If the bank refuses to solve the problem, it can++the bank on the grounds of "infringement of citizens' name rights", because although they are not the specific implementers of forged loans, they have not fulfilled their responsibility of "strict examination", resulting in huge losses for impostors; Third, impostors should pay attention to collecting evidence. In view of the fact that all kinds of contracts and evidence of impostor loans are not signed by him, he can apply for legal appraisal. Fourth, don't listen to the rumor that any intermediary can "whitewash" credit records, and choose formal legal procedures to solve the problem. Of course, the best way to put an end to fake loans is to protect personal privacy, nip in the bud and let criminals take advantage of it. Fifth, we should establish a sense of credit, and regularly check personal credit reports at the Credit Information Center of the People's Bank of China every year to confirm that our credit is good and we have not been borrowed under false pretenses. Sixth, pay attention to protecting personal privacy, and don't disclose your ID card, bank card and other basic information on occasions of distrust. Only in this way can criminals be eliminated from the source.
Legal basis: People's Republic of China (PRC) Civil Procedure Law.
Article 2 The task of People's Republic of China (PRC)'s Civil Procedure Law is to protect the litigants from exercising their litigation rights, ensure the people to find out the facts, distinguish right from wrong, correctly apply the law, hear civil cases in time, confirm the relationship between civil rights and obligations, sanction civil violations, protect the legitimate rights and interests of the litigants, educate citizens to consciously abide by the law, maintain social and economic order, and ensure the smooth progress of socialist construction.
Article 3 The provisions of this Law shall apply to the people's courts' acceptance of civil actions brought by citizens, legal persons, other organizations and among them due to property relations and personal relations.
Article 4 This Law must be observed in civil litigation within the territory of People's Republic of China (PRC).
Do you have fake credit cards? In this case, call the police in time.
Many friends often see credit cards for sale on platforms such as Taobao and WeChat, and these credit cards are real cards, which can be activated after purchase. This is what people often say about fake credit cards, which do exist in real life. Here are some things about fake credit cards.
Do you have fake credit cards?
Fake credit card refers to applying for a credit card by using other people's identity information (copy of ID card, original ID card) and other information.
Many people may think that this situation does not exist, because banks should implement the principle of "three in person" when approving credit cards, that is, read the original application materials in person and read my signature in person, otherwise the card will not be approved. But in fact, there are many examples of fake credit cards in real life.
I don't know if you still remember the news last year. Without knowing it, Mr. Zhao, a Ph.D. student in a university, had 25 credit card accounts under his name, 18 credit card, but he didn't set up a credit card in this branch himself. This situation is a typical fake credit card.
What about fake credit cards?
Many people illegally use fake credit cards to overdraw by installments without repayment, which will not only bring serious economic losses to counterfeiters, but also affect personal credit. Therefore, we must avoid this situation. It is best to check the personal credit report every year to see if there are more credit cards in your name that are not your own.
If you encounter the situation of being impersonated, you should immediately report the loss of your ID card and reissue it, then call the police and inform the bank to explain the situation. As an institution handling credit cards, banks have the obligation and responsibility to verify. If they can get a card only with their ID cards, it is dereliction of duty and they must bear certain legal responsibilities. Cardholders have the right to ask the bank to cancel their credit cards and restore their credit.
This concludes the introduction of fake credit cards and fake credit card fraud. I wonder if you have found the information you need?