No, both loans and credit cards require personal ID.

The general term for overdue loans, sluggish loans and bad debt loans. Overdue loans refer to loans that have not been repaid when due (including due after extension) as stipulated in the loan contract. Sluggish loans are loans that are overdue (including due after extension) and have not been repaid for more than the prescribed period, or are not overdue or are not overdue beyond the specified period. Loans that have expired but the production and operation have been terminated and the project has been suspended;

Bad debt loans are loans classified as bad debts according to relevant regulations. Non-performing loans indicate that banks will incur risk losses. Reducing non-performing loans to a minimum is the primary goal of risk management for commercial banks.

Extended information

The main reason for the occurrence of non-performing loans is the low level of bank operation and management and weak risk prevention capabilities. Non-performing loans are the inevitable result of the extensive management of bank loans. From within the bank, there are many reasons for the occurrence of non-performing loans. Extensive loan management is the main reason. The loss of credit assets is to a certain extent the result of the bank's self-expansion.

For example, the out-of-control credit situation at the end of 1984 was caused by the banks themselves. Many of the loans issued suddenly at that time have now been settled. The awareness of loan risks is not strong, and most of the loans are credit loans. Later, although the proportion of guaranteed loans is increasing, the effectiveness and safety of guaranteed loans are still very problematic, and the degree of protection of loan claims is low;

The credit management system such as the "three checks" for loans is not perfect or is merely a formality when implemented, and there is a serious disconnect between loan rights, responsibilities, and benefits. Loans are emphasized but management is neglected, lending is emphasized but collection is neglected, and deposits are emphasized but loans are neglected;

Credit The overall quality of the team is not high. Some bank staff who have the power to issue loans have poor professional skills, resulting in mistakes in loan decisions or even loan fraud, or they are unable to effectively prevent companies from evading debts. Some people issue "favor loans" because of poor ideological quality, and even do not hesitate to do so. Using loans for personal gain, resulting in the loss of credit assets, etc.

Baidu Encyclopedia-Non-Performing Loans