You should not have borrowed it in the first place and should have reported it to the police in time. .

First of all, this behavior violates the "Order of the State Council of the People's Republic of China" No. 285: "Regulations on the Real-Name System for Personal Deposit Accounts" that was implemented on April 1, 2000. Article 6: When an individual opens a personal deposit account at a financial institution, he or she must present his/her identity document and use his or her real name. When opening a personal deposit account at a financial institution on behalf of others, the agent shall present the identity documents of the principal and the agent. Debit cards of bank cards are savings accounts, and credit cards are credit accounts.

As a reminder, those who rashly lend out their ID cards may have to bear more legal responsibilities.

For example:

1. If you use a credit card that can be used as an overdraft for consumption, if the repayment is not made in time and no one fulfills the responsibility, the lender will eventually be asked to pay it back.

2. If you use a credit card to cash out, it involves financial fraud and you will be legally responsible. Lenders also became complicit.

3. Bank cards can be used for frequent transactions to launder money or as illegal transaction funds to enter and exit the account. Except for the owner of the ID card, the real criminal cannot be found.

4. After applying for a card with a borrowed ID card, many other economic behaviors related to financial carriers can also be derived.

5. In addition to applying for a bank card, the borrowed ID card can also be used to engage in more social and economic activities in the name of the borrower.

Report the police immediately and cancel the credit card promptly.

Expected consequences:

1. High overdue interest will be incurred.

2. The bank will sue you in court, and you will incur economic losses such as litigation costs and attorney fees.

3. Individuals will have bad credit records, which will have an impact on future bank cards and loans.

4. If the amount of debt is more than 10,000 yuan, it constitutes a crime of credit card fraud and will be held criminally responsible. Article 196 of the "Criminal Law" The crime of credit card fraud falls under any of the following circumstances. If the amount of credit card fraud is relatively large, he 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 a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years and not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; Or life imprisonment, and a fine of not less than 50,000 yuan but not more than 500,000 yuan, or confiscation of property.