You can do many things. Eleven, you should pay attention. For example, if you open a bank card to launder money, if the amount is huge, it will have a greater impact on yourself. If you apply for a credit card, the overdraft will affect your personal credit, and the bank will not give you a loan when you buy a house or a car in the future. Securities firms illegally speculate in stocks. Did something bad and left his ID card at the scene. But usually not so much. You should pay attention yourself.

It is recommended not to send the information of ID card and bank card to others. If it flows into the hands of criminals, it will cause personal privacy leakage, and if it is used in some improper ways, it may have an impact on personal credit.

But don't worry, at least it shouldn't be used as a loan, because you can't just apply for a loan with your ID card and bank card, you need to provide other relevant materials, such as unsecured credit loan, bank running water, work certificate, address certificate, good credit record and so on.

The loan application and approval process is as follows:

(1) loan application. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks, and the application should include the basic contents such as loan amount, loan purpose, repayment ability and repayment method.

(2) Credit evaluation. The lender shall evaluate the credit rating of the borrower according to the quality, economic strength, capital structure, performance, economic benefits and development prospects of the borrower's leaders.

(3) loan investigation and approval. After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and effectiveness of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. After the above investigation, the lender will verify and evaluate the information provided by the investigators, retest the loan risk, put forward the review opinions, and examine and approve the loan application according to the prescribed procedures and authority according to the loan management system of loan separation and grading examination and approval.