Now is the era of smart phones, and all kinds of consumption can be realized through mobile phones, so fewer people carry wallets. However, as personal documents, ID cards must be carried sometimes, which inevitably leads to the risk of loss. What if I lose my ID card and get a loan? This problem can be big or small, and we must pay attention to it! First, it affects the credit investigation. At present, some institutions that are not strictly audited can get loans only by their ID cards and mobile phone numbers. If your ID card is lost, you may be handled with various loans. After all, there are often news on TV that there are loans for no reason. Once you get a loan, besides being in debt, the most direct impact will be that there will be bad records in the credit investigation. Therefore, you can contact the loan bank and ask for proof to eliminate the credit investigation. In addition, you can apply for an "objection application" at the local credit investigation center of the People's Bank of China, and provide corresponding materials to prove it according to the relevant requirements of the staff. After confirmation, the records can be cleared within 15 working days.

second, the alarm ID card is the most important personal voucher. If you lose it, you should report it to the local public security bureau first. Once you file a case, you can use the report form as strong evidence to negotiate with banks, industrial and commercial bureaus and other departments.

third, if the contact bank is not my own loan, the bank has the responsibility of audit. So to find out which bank is being loaned, you can confront the bank and check the signature handwriting of the loan contract. In short, whether it's handwriting, contract seal or photos, keep tangible evidence, plus the report form as proof, and ask the bank to eliminate the debt and credit stain as soon as possible.