Alarm.

If someone uses his or her ID card to apply for a loan, this violates his or her legitimate rights and interests. After discovery, you should report the crime to the police as soon as possible and fully cooperate with the police investigation work.

Never pay this loan back. The Ministry of Public Security has made it clear that after citizens lose their ID cards, they no longer need to report the loss or make a newspaper statement. If the resident ID card is lost and used by others, the unauthorized user and the review department shall bear corresponding legal responsibilities, and the person who lost the ID card does not need to bear any responsibility. In other words, this debt should not be repaid by the person who lost the certificate, but should be borne by the bank and the person who used the certificate fraudulently.