The young man Lin and "Xiao Feng" from the same village are good friends. They have been classmates from elementary school to high school. They have been good buddies since childhood. After graduating from high school, they went to different universities. We have very little contact, and we get together every time we go home during the Chinese New Year. Once, Xiaofeng and I met at a friend’s house. When we were about to leave, Xiaofeng offered to lend me my ID card to help with a loan, saying that he was in urgent need of money and had poor personal credit. Well, I was always rejected for online loans. I wanted to try using my ID card, and admitted to me that he would repay the money I borrowed. I didn’t think much about it, and I lent it to him for the sake of my long-standing brotherhood.

Two months passed. One day I suddenly received a call from an unknown person saying that I had borrowed 3,000 yuan. With interest, the total was 4,100 yuan. I was stunned. It turned out that Xiaofeng had promised me that I would borrow 3,000 yuan. The money was not paid back at all, and I couldn't get through to him when I called him. After all, I didn’t borrow the money, and I never thought about paying it back, but the debt collectors kept asking me. I explained to them that the money was not from me, but that a friend borrowed his ID card to apply for it, and then ignored them. Got past them.

Unexpectedly, they exploded my address book one after another. My family was worried, fearing that I would do bad things outside. I was so worried at the time that I could only temporarily explain to my family that I didn’t borrow the money. It's a scam call, so people at home shouldn't answer the phone. But things got worse later, and debt collectors actually came to my door. Because my mobile phone was out of battery, I didn’t see the text message from the collector. Later, my family called me and told me that two people claiming to be from credit companies came to collect debts. I owed them more than 4,000 yuan, and then I found out that they really came to collect the debt. The neighbors all knew about it. Everyone thought that I was in debt outside and was embarrassed, so I contacted the debt collector to pay them. I provided Xiaofeng’s phone number and told them to go to him if they wanted the debt and stop harassing me. However, the collector still wanted me to pay it back, saying that they were collecting money based on the user who submitted the ID card. As for the dispute between Xiaofeng and me The problem needs to be solved by ourselves. In order not to affect my family's life, and not to lose all my face in the village, I paid off the debt privately, but I was also feeling very angry...

1. Can I get a loan if I lend my ID card to others?

In practice, it is possible. There are many small loan companies on the market with very low thresholds and extremely lax review. As long as you upload your ID card photo and personal information, you can successfully get a loan. They don't even bother to check whether the person and the ID are the same person. Relatively speaking, the interest rate of this kind of loan is very high. Once it cannot be repaid, it will affect the credit of the document owner, so do not borrow other people's ID cards easily.

Huahua reminds: Never lend your ID card to others at will, whether it is a loan or other business, otherwise it is easy to get into trouble.

2. Can I use my ID card to help others get loans?

Never use your ID card to lend money to others. If someone agrees with you to repay the loan amount before the due date and actually fulfills his promise, then it may be okay ( Huahua recommends that it is not a last resort and it is best not to do this). If others cannot repay the loan as scheduled, then you can only repay it on your behalf, because once it is overdue, it will have the following effects on you:

1. There is no last resort Repay other people's debts

Feel free to lend your personal identity card for loans. If others break their trust, you must bear the consequences. At the same time, the credit reports of your spouse and family members will also affect your own loan. When the loan expires, online lenders will also come to you and ask the individual to repay the loan amount. At this time, the owner of the ID card must repay the debt for others. If it is not returned in time, the online loan will continue to pursue the debt.

2. Credit damage

If you do not repay for a long time, your overdue record will be entered into the central bank's credit reporting system, and your personal credit will be stained. Before the overdue records are eliminated, your life will be greatly affected. You will not be able to handle banking business, purchase air tickets, or stay in hotels, etc. The consequences will make it difficult for you to move forward.

3. High penalty interest

Some lending institutions have very high overdue interest rates and even liquidated damages, which makes it more difficult for you to repay, forming a vicious cycle.

4. Telephone reminders

If you are two or three days or one week overdue, the lender will think that the borrower may send you a text message to remind you in good faith to repay on time. However, if the loan is overdue for a certain period of time, the lender will take measures to collect payment from the borrower. Text message harassment and phone bombardment are their usual methods.

3. What should you do if someone uses your ID card fraudulently?

1. Actively negotiate with the lender

At this time, do not assume that it is not my loan anyway and I don’t care. To be honest, at this point, the lender does have the responsibility, because when they issue a loan, they are responsible for the review and must confirm whether the lender is the person in question.

The user's own identity information was leaked and lent it to others without his knowledge, so he also bears some responsibility.

What you should do at this time is to communicate with the lender and ask the other party to find out the facts of the loan, eliminate the impact of your bad credit report, and cancel the loan in your name.

If the lender disagrees, you can collect relevant evidence to counterclaim according to law or intervene in the investigation through the relevant disciplinary inspection department. As long as you retrieve the application materials, signatures, photos, videos, etc. before the loan, you can prove that it is not you. .

2. Collect information

Because the loan is in your name, if you do not actively handle it, the online loan may go to court to sue you, and it will also affect your credit report, so You must work hard to collect evidence, and specify the time when you use your ID card to apply for a loan. You can also collect loan signatures, loan information, loan video recordings, etc., and provide these materials or evidence you have collected. To the court, if the court confirms after screening that it is not your loan, you can make your own request.

In summary, in the information age, personal identity information is extremely easy to be leaked, and ID cards are also very important items. Everyone should take good care of their personal information and never lend it to others for random applications. Inexplicable business must be treated with caution.