We all found such a problem, that is, if we want to apply for a credit loan with someone else's bank card. In fact, such a problem is not allowed, because after all, for the problem of only one bank card, we can't prove our identity information, nor can we prove that such a bank card is willing to be given to us by others. At this time, you can't do related credit business without the presence of the parties.

Can't use other people's processing.

This will cause certain losses to some accounts of others, including property. If we want to apply for a credit loan through someone else's bank card, we need someone else to be there in person to prove that someone else is willing to help us with such a credit loan. Moreover, it is not a cheating practice for ourselves. If we want to get more benefits and money in this way, then we have violated the law at the legal level.

Unless the client is present.

For many people, after discovering someone else's bank card or knowing the bank card password, there will be some bad behaviors. But for this level, we will also feel that if our bank card is discovered by others and others apply for credit loans with their bank cards, we will also feel certain losses. This has caused some bank staff to selectively look at whether we can be responsible for our actions when handling business for us.

Moreover, it is morally forbidden to use someone else's bank card to handle credit loans. After all, if we have our own bank card and can handle business with our own bank card, we don't need to interfere with other people's credit information. If you can't repay in time, it will also affect the credibility of others.

What if someone impersonates a loan?

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 banks refuse to solve the problem, they can take "infringement of citizens' name rights" as an excuse, because although they are not the specific implementers of counterfeit 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 in accepting civil lawsuits brought by citizens, legal persons, other organizations and among them because of 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).

What is the crime of borrowing money by using someone else's ID card?

Loaning with someone else's ID card is suspected of loan crime and credit card crime. Financial crimes, including loan crimes and letter of credit crimes. , are crimes that undermine the order of the socialist market economy. They refer to the act of defrauding public or private property or the credit of financial institutions by fabricating facts or concealing the truth for the purpose of illegal possession, thus disrupting the order of financial management. If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years but not more than 10 years or criminal detention.

Criminal law of the people's Republic of China

Article 193

One of the following circumstances constitutes a loan crime. Whoever borrows a large amount from a bank or other financial institution for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) Loans in other ways. Article 195

The crime of letter of credit is under any of the following circumstances, and those who engage in letter of credit activities shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) Using forged or altered letters of credit or accompanying documents and documents;

(2) Using an invalid letter of credit;

(3) defrauding a letter of credit;

(4) conducting letter of credit activities in other ways.