Will I get a text message if my ID card is borrowed?

How to check whether your ID card has been lent?

If you want to check whether your ID card has a loan record, customers can take the following methods: 1. Log in directly to official website, the Credit Information Center of China People's Bank, on the computer browser, and enter the Internet personal credit information service platform to inquire about personal credit reports; Or bring your personal ID card to the business hall of the branch of the local people's bank to find a staff member to inquire; You can also call the customer service of the People's Bank of China. We should know that when consumer financial institutions apply for loans, if the platform has access to the central bank's credit information, it will inevitably leave relevant records in the credit information. 2. You can query third-party data platforms, such as people's credit reporting. After all, many small loan platforms with low application thresholds are not connected to the central bank's credit information, which is the first choice for criminals to defraud loans. Therefore, even if they borrow money, they will not leave a record in the credit report, and most of the relevant loan records are left in big data. 3. See if you have received a short message from a lending institution/platform without a registered account in your mobile phone. If there is a dunning message, it is likely that someone else has stolen the ID card.

Will the short message of bank arrears be sent to all calling cards handled by your ID card?

It will be sent to the mobile phone number corresponding to the bank card.

If criminals steal the user's ID card and mobile phone number to apply for a loan, and the lending institution sends a verification code during the loan application, then the user will receive a text message. The criminals only use the user's ID card, so the user has applied for a loan by stealing his identity information, and the user himself cannot receive SMS reminders.

Will you know that you have been loaned?

You can know. If you get a loan, you can actually find it yourself.

For example, if your own information is used by criminals for loans, it will definitely leave relevant records. Customers can directly log in to the Credit Information Center of the People's Bank of official website and China, and access the personal credit information service platform on the Internet to check personal credit reports to see if there are any loans they don't know and I haven't done. If there is, it is suspected that personal information has been fraudulently used by others.

Customers can also go to some third-party data platforms to inquire about their online loan big data. Many criminals use other people's information to borrow money, and most of them will apply for online loans with relatively simple conditions and loose approval. These online loans are generally recorded in big data and will not be recorded in credit information.

Also, if personal information is used by criminals to make loans, criminals will definitely not repay them, and then they may be discovered by lending institutions and platforms. Therefore, if they receive repayment messages or collection calls from unsuspecting lending institutions and platforms, it is likely that their information has been stolen by others to get loans.

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How to handle the loan:

1. Verify the authenticity of the loan and report the case.

In case of "being loaned", the parties concerned should inquire about the relevant banks or lending institutions and check the loan contract, lender information and signatory information one by one. If the information does not match, you must report the case as soon as possible and provide corresponding evidence.

2. If the deduction is made directly, the "lender" may ask the bank to refund the deducted principal and interest.

Because the lender has not signed a loan contract with the bank, the loan contract signed by others pretending to be the lender with the bank cannot be binding on the lender, nor can it be used as the legal basis for bank deduction, which determines that the bank's unauthorized deduction constitutes unjust enrichment. According to Article 92 of the General Principles of the Civil Law: "If there is no legal basis to obtain improper benefits and cause losses to others, the improper benefits obtained shall be returned to the person who suffered losses." If the lawsuit is caused by the bank's refusal to return it, it should be treated as an infringement lawsuit, that is, the bank must return the property to the deducted person and compensate for the losses in accordance with the provisions of the Tort Liability Law.

3. After being blacklisted, the lender may request the elimination of bad records.

If the identity card information is stolen and lent by others, it will lead to bad credit. Lenders have the right to ask banks to eliminate bad records. According to Article 101 of the General Principles of the Civil Law, the personal dignity of citizens is protected by law, and it is forbidden to damage the reputation of citizens by insulting or slandering. The fraudulent use of the borrower's identity card information by others does not become a reason for banks or lending institutions to infringe on their reputation.

Although the loan incident can be properly solved, it still happened badly. How to prevent yourself from being "loaned"? The main reason for being loaned is that personal ID information is used by others, so the key to preventing being loaned is to protect your ID information.

A once the certificate is lost, it should be reported as soon as possible;

B. Try not to lend your ID card or copy to others;

C. Discarded personal information should be destroyed and cannot be discarded at will.

If the fraudster takes my ID card, face recognition and phone number to the platform to pay, will I receive a text message?

There will be no information to inform you.

When someone borrows a loan with your ID card, he will only reserve his mobile phone number when reserving his mobile phone number, and it is impossible to register with your mobile phone number. If someone finds your ID card, it is impossible to inform you to borrow money in your name. Isn't that exposing yourself? It is illegal to borrow money by using someone else's ID card.