If others know their identity information and have their own mobile phones, they may borrow money online in their own identities. When handling a loan, the lending institution will generally check my identity information. If there is a problem with my personal identity, the lending institution will not handle it. Once you provide your identity information to others, others can borrow money in your name. If you don't repay on time, or even default, the lending institution will eventually ask you for repayment. ID card loans are not paid only by ID cards, but by applying for micro-credit loans through online and mobile phones, submitting ID card information and personal information, and applying for loans by credit. In some informal lending institutions, it is entirely possible for you to apply for a loan in this situation.
1, ID card credit loan, these products are characterized by low amount, fast payment, easy access, and most of them don't look at credit information. The materials to be submitted include personal ID card, proof of income, sesame score, authentication of mobile phone operators, real-name authentication, face recognition, credit card under personal name, etc. Although it seems a lot, most of them are common information in daily life, and the accounts will be audited soon after submission.
2. ID card secured loan. There is little information about this kind of ID card loan. Some can borrow as long as their ID cards. Most people don't check or read the credit information, but you need to provide collateral such as cars, houses, fixed assets and insurance policies. It's a little troublesome to operate, and the threshold is slightly higher. The common risks of ID card loans are information leakage and unsafe funds. Whether it is ID card loan or other loan methods, there are certain risks. If you find that you are not sure whether you have been impersonated, you can go to the business hall to check your phone records and online information that may be deleted. If you are not at ease, you can also go to the bank to inquire. So as not to miss the best opportunity to solve the problem.
If someone uses my ID card to get a bank loan, what harm will it do to me?
If someone uses my ID card to get a bank loan, what harm will it do to me?
Divided into the following situations;
(1) Handling a savings card: Savings cards are generally harmless, as long as they do not fall into the wrong hands;
(2) Handling credit cards: failure to repay in time, or malicious arrears, or other circumstances, which affect the personal credit report in the central bank;
If an individual's credit report has a bad record, there will be problems in handling credit cards, applying for loans (including mortgages, car loans and commercial loans) and registering companies, and the application will be rejected by the bank.
Looking for you, the bank.
How does it affect me if someone else uses my ID card to get a mobile phone loan?
If he doesn't pay back the money,
First, you will be asked to pay back the money.
Second, it will affect the credibility of your ID card.
What impact does it have on me if someone else uses my ID card to get a loan?
Because it is a loan, if the borrower with your ID card fails to repay the loan on time. You will have to pay back the money then.
Does it matter to me that others use my ID card to borrow money to buy a house?
If a good reputation has little effect on buying a house with a loan, if it affects your sincerity, it will increase the difficulty of approving a house with a loan.
What harm does it do to me that others use my ID card to open online banking?
1. Actually, the card is in your name, but someone else is using it. The biggest risk is credit risk.
2. The other party may have overdue repayment, cash withdrawal and other behaviors, which will affect your credit and may have a negative impact on your own future card use and loan.
Therefore, it is recommended not to lend your ID card to others for a credit card. The above situation has a great influence on you.
What are the risks for others to borrow money with my ID card?
Hello! The borrower needs to repay in full and on time. If it is overdue, there will be penalty interest and late payment fee, which will also affect your personal credit.
If you still have questions, I suggest you consult "Customer Service Online": forum. cmbchina。 /CMU/icslogin.aspx？ From=Blogincmu=0, we will serve you wholeheartedly!
Does it affect me if someone else uses my ID card to apply for a bank card?
Hello, handling a bank card will affect your bank credit.
If your ID card is used as a loan by others, the personal consequences are as follows:
1, other loans due, which did not appear.
Usually, people use their ID cards to get loans without knowing it. When the loan expires, the bank will find you and ask the individual to repay the loan amount.
2. Debts and lawsuits.
If an individual finds that he has no loan, but is loaned, there will be debt. At this time, he will go to court with the bank;
You pay debts for others, and then you recover yourself.
Usually, due to the lack of strong evidence, even if a lawsuit is filed, there is often no chance of winning. In the end, the lawsuit is often lost, and the ID card owner will pay the debts for others. If it is not returned in time, the bank will recover the debt.
In addition, if someone else doesn't repay on time after using your ID card, you will also have information stains. The next time you want to borrow money, it's easy for banks not to lend. Do I have to use someone else's ID card to get a loan? Don't lend your ID card easily, and protect your property.
How does it affect me that others use my ID card as a mortgage?
If he doesn't pay back the money on time, it will cause your overdue record and affect your credit report. Maybe someone else is using your ID card as a borrower or guarantor.
How does it affect me if someone else uses my ID card to apply for a bank card?
Yes, the activity of this bank account in the future is equivalent to your operation, and you need to bear legal responsibility.
The real-name registration system of bank card accounts is a compulsory legal measure to standardize banking financial institutions and ensure financial security in China. As early as April 1 day, 2000, the State Council made clear provisions in the form of administrative regulations. For example, Article 6 of the Regulations stipulates that when an individual opens a personal deposit account in a financial institution, he/she shall present his/her identity document and use his/her real name. Article 7 also stipulates that financial institutions should require them to show their identity documents for verification. Financial institutions are not allowed to open personal deposit accounts for people who do not show their identity documents or use their names falsely.
Is the ID card loan safe?
In fact, under the current circumstances, it is impossible to find an absolutely safe loan method. Since the ID card loan has many advantages, the borrower certainly has to bear certain risks. Whether it is credit loan or mortgage loan, each loan method has its own advantages, but it also has its own shortcomings.
ID card loan is not an absolutely safe loan method, and even cases may occur. After the criminal suspect obtained the effective identity information of the victim under the pretext of "ID card loan", he used new payment methods such as online banking to withdraw the victim's funds. They take advantage of the virtual nature of the Internet, publish or publicize ID card loans on various websites by short messages, and use extremely low expected annualized interest rates as bait to target people who are in urgent need of loans but cannot achieve them through formal banking channels. At the same time, taking advantage of the cross-regional characteristics of the network, crimes are often committed in different places, and advertisements posted online, ownerless mobile phone numbers and withdrawal places are not in the same area. In the Internet-related "ID card loans", criminal suspects never show up to contact the victims, and all use telephone contact, but many citizens are credulous and deceived.
Is it safe to borrow money with ID card?
The ID card is the necessary information for the loan.
The closest thing to an ID card loan is a credit loan without collateral. Formal corporate credit loans in the market are based on personal credit records and repayment ability. The lender will be required to provide relevant certification materials such as identity, residence and income. As a legal identity symbol of residents, ID cards must be provided. (Note: However, it is impossible to get a loan only by ID card. Be vigilant when accelerating loans and remind borrowers to borrow money! )
Possible risks of ID card loan
1. Cash out the credit card with the identity information of the lender. Many swindlers cheat the identity information of the lender on the grounds of ID card loans, then cash out the credit card with the identity information of the lender, and finally lend the money to the lender.
2. The loan must be paid in advance. Many borrowers who submit their ID cards require to pay the service fee before lending. If they don't pay, it will be difficult to return their ID cards. Finally, the loan will fail and their ID cards may be cheated.
3. After the criminal suspect obtained the victim's valid identity information under the pretext of "ID card loan", he used new payment methods such as online banking to withdraw the victim's funds.
This concludes the introduction of the risks of ID card loans and what ID card loans are about. I wonder if you found the information you need from it?