2. Under the current credit card system, money is the owner of this card (note that it is the owner, not the holder), that is, the person corresponding to the ID card-you.

Real case: When Moonstone went to college, a classmate A (a pseudonym) in the dormitory next door, because he didn't know anything as a freshman, one of his high school classmates (another university in the same place) borrowed his ID card and applied for a credit card. Because of his confused help, as a result, B (the cardholder) was unable and unwilling to return the overdraft of 3,000 yuan, which led to Yueguangshi's classmate A not only carrying a debt of 3,000 yuan, but also going to the bank. Finally, A found B's parents to solve this matter.

However, there is another problem, that is, you mentioned that you didn't sign the card when you applied for it. This is different again. In this way, if the other party does not have your signature or your signed power of attorney when handling the card, then the bank itself is illegally handling the card, and you can directly complain or sue the bank. If the other party can't produce your signature evidence, it can prove that you didn't apply for a card, and then you can cancel the card.

Real case: C, the leader of a local credit cooperative in Nanjing, took advantage of his position to steal depositors' ID cards and signatures with several internal employees, forged credit cards and maliciously overdrawn millions of yuan. Later, after solving the case, the credit union had to let the cheated depositors sue themselves, and then cancel the card through the court's judgment. Now the banking system is very strict, so sometimes even the banks themselves have to destroy the signboard and let the depositors sue themselves to complete the card cancellation.