Identity cards are widely used in life, and it is inevitable that some careless people accidentally lose their identity cards in the process of using them. If it happens to be discovered by people with ulterior motives, they steal personal information, borrow money with their ID cards, fail to pay back after applying for a credit card, get blacklisted, lose the qualification to buy a house and a car, and can no longer borrow money.
But don't be too nervous, because you can apply for a loan not only with your ID card. When someone borrows money with your ID card, they will generally leave a record on the central bank's credit information or personal online loan big data. You can know whether there is any abnormal registration or loan application information by viewing it.
The central bank's credit information can be directly inquired in official website, the Credit Information Center of the People's Bank of China, mainly including bank loans, credit cards and professional credit records. Online loan records can be understood by looking at personal online loan big data, and official WeChat accounts such as Wei Sen Science and Technology have entries to detect online loan data.
Don't be too nervous if you happen to find that your ID card has been stolen and your personal information is taken to get a loan. What should I do at this time?
First of all, you don't have to borrow money yourself.
As for banks, according to the regulations of the central bank, if the bank finds that the account holder does not match the ID card during the account opening process, it shall require the account holder to show other supplementary certificates.
In other words, banks, as credit institutions, did not strictly control credit card application activities, causing irreparable money losses, and the responsibility lies with banks. If the victim doesn't sign the credit card application form and loan contract in person and doesn't get the corresponding money, he doesn't have to bear the responsibility and pay back. Collect data and information of Maoming people.
If bad people use your personal information to make online loans, because many application processes require bank cards, ID cards and real-name mobile phone numbers to apply, scammers must apply for bank cards and mobile phone numbers after losing their ID cards. At this time, you need to go to various banks with your ID card to check your bank card to see if it is abnormal.
If there is any abnormality, print the bank flow of the card for one year, report the loss and freeze the bank card. I would like to remind you that when you report the loss orally, the staff at the card office may remind you to cancel your card.
Never cancel the card, because you didn't do it. All bank card opening records must be false information. Once the card is cancelled, there is nothing left, which is hard to argue.
If a bad person leaves his fingerprints and photos during the processing, please cooperate with the police to ask the staff for bad person information. Third, don't forget to clarify the credit information.
In fact, it is not uncommon to use identity information to handle credit cards or loans because of the loss of identity cards or information disclosure. Even if the loss is reported at the first time, the ID card is still within the validity period, and the bank self-service terminal can still recognize it. When the counter compares the information and checks the identity of the customer, the fraudulent user is still at large, resulting in someone using his ID card to successfully open a card in the bank.
2. What if someone borrows money with my ID card and doesn't pay it back?
1, someone borrows money with your ID card. Although it's your name, as long as you don't sign it at the scene, the loan has nothing to do with you. Signature must be signed by himself or himself, and notarized power of attorney should be provided for signature. If you sign or press your fingerprint, you are the debtor. Or there is evidence that the loan funds are actually used by you in part or in whole, you should bear the obligation to repay. If the repayment is not made on time, the bank can enforce it. 1. First, negotiate with the person who borrowed your ID card and ask him to repay the loan on time. If you are friends, you may be embarrassed to repay the loan first. But if he stubbornly refuses to repay, you can't do anything about him at the moment. It's best to repay the loan yourself first, and then try to get it back, otherwise your credit will be damaged. 2. If someone doesn't repay the loan with your ID card, you can also go to court, especially if you don't sign the loan contract yourself. Litigation will be an effective solution. But if there is your autograph on the contract, and you have no evidence to prove that others use your ID card to borrow money, then even if you go to court, there is no chance of winning. If the repayment is not made in time, the bank will go directly to the owner. Usually, due to the lack of strong evidence, the owner of the ID card often loses the case. After losing the case, the ID card owner must first assume the obligation to pay off the debt. If it is not returned in time, the bank will recover the debt. Legal basis: According to Article 676 of the Civil Code, if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.
3. What should I do if someone borrows money with my ID card?
1. First, negotiate with the person who borrowed your ID card and ask him to repay the loan on time. But if he insists on not paying it back, it is best to pay it back first and then find a way to get it back, otherwise his credit will be damaged.
2. If someone doesn't repay the loan with your ID card, you can also go to court, especially if you don't sign the loan contract yourself. Litigation is an effective solution. But if there is your autograph on the contract, and you have no evidence to prove that others use your ID card to borrow money, then even if you go to court, there is no chance of winning.