It is illegal to use someone else's ID card to borrow money, which may involve invasion of others' privacy and identity theft. If it is discovered, it may face legal responsibility. This behavior may also cause economic losses and other adverse consequences to the victim.

If you use the wrong identity information to apply for a loan, it may lead to banks or other financial institutions refusing to apply, wasting time and energy. If you use the correct identity information, you may get others into debt disputes.