Call the police in time. The loan must use your ID card. The lender must first confirm that the person and the card are correct before it can start processing. If the information is stolen and used for loans, there is no need to be overly anxious, because the main responsibility lies with the loan agent. If the amount is huge, the police may ask you to assist in the investigation and should actively cooperate.

Legal basis:

Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

What should I do if my ID card is fraudulently used by others?

If someone fraudulently uses information loans, it is recommended to call the police, and the possibility of personal information being stolen is not ruled out. \ Contact banks or financial institutions and inform them; \ Bring a lawsuit to the people to safeguard their legitimate rights and interests. \ Where a loan is made in the name of another person, the relevant provisions of Article 193 of the Criminal Law shall apply. Article 193 A loan crime is committed under any of the following circumstances. 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: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) Using false certification documents; (four) with false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) Borrowing by other means.

Identity information is stolen, what about online loans?

If personal information is leaked due to online lending, the victim should immediately report to the police and explain to the online lending institution that the loan is not his own. The victim has the right to report or accuse the criminal facts or criminal suspects who infringe on his personal and property rights to the public security organs, people's procuratorates or the people.

legal ground

Article 110 of the Criminal Procedure Law

Any unit or individual who discovers criminal facts or suspects has the right and obligation to report the case to the public security organ, the people's procuratorate or the people.

The victim has the right to report or accuse the criminal facts or criminal suspects who infringe on his personal and property rights to the public security organs, people's procuratorates or the people.

Public security organs, people's procuratorates or the masses shall accept reports, complaints and reports. If it does not belong to its own jurisdiction, it shall be transferred to the competent authority for handling, and the informant, complainant and informant shall be notified; For those who are not under their jurisdiction and must take emergency measures, they should take emergency measures first and then transfer them to the competent department.

The provisions of the third paragraph shall apply to criminals who surrender themselves to public security organs, people's procuratorates or the masses.

What if my ID card is stolen and I borrow an online loan?

1. What should I do if my ID card information is stolen by others?

First, the ID card and bank card were given to others for a certain business purpose, and the other party made an online loan without their consent. It depends on the actual situation and whether the online loan company itself has fulfilled its reasonable review obligations. If the online loan company fails to fulfill its obligations, it does not need to bear any responsibility.

Second, the ID card and bank card were stolen by others, took the online loan and took the money away. Then the nature of this matter becomes a case. As a victim, he is not the actual loan applicant and has no obligation and responsibility to repay the loan.

Although no matter what kind of situation you are in, he can take no responsibility and need not pay back the money. But there is another factor that will affect your specific way. Does the online loan company ask him to repay the loan principal and interest?

If the online loan company has not yet, it is best to report the case to the police immediately, and the public security organ will file an investigation to confirm that the actual online loan applicant is not himself, but someone else holds your ID card information. Don't worry, you won't take any responsibility when you get this evidence investigated by the public security organ.

If the online loan company has already sent it to you. Then you have to prove to the court that you have nothing to do with this loan case. Your identity belongs to someone else's fraudulent use, and you need to go through a trial to find that you are not a qualified defendant in this case.

While actively responding to the lawsuit and claiming their rights and interests, they should also call the police as soon as possible. After all, this is still a case of embezzlement and fraudulent use of someone else's ID card.

Qualified defendant is to solve the problem of who should be the defendant in a specific case, that is, in a specific case, according to the law, who can or must conduct administrative litigation in the name of the defendant. Qualified defendant refers to the qualification of being a defendant in a specific lawsuit in his own name.

Second, how to reissue the ID card?

According to Article 12 of the Identity Card Law, when a citizen applies for a resident identity card, the public security organ shall handle it in time according to the regulations. The public security organ shall issue resident identity cards within 60 days from the date when citizens submit the registration form of resident identity cards; In areas with inconvenient transportation, the processing time may be appropriately extended, but the extension time shall not exceed thirty days.

Replacement procedures for second-generation ID cards:

1) Application steps: 1. Applicants bring their household registration book to the local police station to apply for a replacement of the second-generation resident identity card. 2. Carry out portrait collection and fingerprint collection. 3. Pay the fee, sign the registration form for issuing resident identity cards and leave the contact number. 4. Within the specified time for obtaining the certificate, the applicant will go to the police station with the certificate to receive the second-generation resident ID card.

2) portrait collection standard: the photo of the certificate is the applicant's bareheaded head, and there is no standard clothing. People who often wear glasses must wear glasses when taking pictures, so as to ensure that the portrait is clear and there is no obvious distortion.

3) Charging standard: If the second-generation resident ID card is lost or damaged, the handling fee will be charged to 40 yuan.

4) Time limit for obtaining a permit: After the police station accepts the application procedures for resident ID cards, it will issue new cards to citizens within 60 days.

Legal basis:

People's Republic of China (PRC) identity card regulations

Fifteenth any of the following acts shall be punished in accordance with the relevant provisions of the Regulations of the People's Republic of China on Administrative Penalties for Public Security:

(1) refusing the public security organ to examine the resident identity card;

(2) Transferring or lending a resident identity card;

(three) the use of other people's identity cards;

(4) intentionally destroying another person's identity card. Relevant regulations: Article (1) of the National People's Law.

Article 16 Whoever forges or alters a resident identity card or steals a resident identity card, if the circumstances are serious, shall be punished in accordance with the provisions of Article 167 of the Criminal Law of People's Republic of China (PRC). Relevant regulations: Article (1) of the National People's Law.

Seventeenth public security organs in the implementation of these regulations, infringe upon the legitimate rights and interests of citizens, shall be given administrative disciplinary action, if the circumstances are serious enough to constitute a crime, criminal responsibility shall be investigated according to law.

The launch of information lending and credit-free software ends here. I wonder if you found the information you need from it?