What should I do if I am defrauded by the online loan platform and my ID card is bound?

Call 1 10 in the shortest time to provide the account number of the swindler, which will help the public security organ to lock the card, stop paying and freeze it in the first time and recover your property losses in time.

1. There are many online loan routines: you only need an ID card to lend money. College students were cheated by 15 thousand.

June 20 19, Xiao Jiang, who was watching a video in the dormitory, accidentally clicked on an advertising link to apply for a loan, saying that he only needed an ID card to get a small loan, which attracted him at once.

"I wanted to change my mobile phone at that time, and later I bought a new computer. Then I saw such a website, and the steps were relatively simple. I just need to provide my ID card. " Xiaojiang immediately filled in his personal information and applied for a loan of 80,000 yuan. After a while, a customer service who claimed to be the company's loan department called and asked Xiaojiang to add his WeChat, and sent his ID card and face photo for identity verification. Xiaojiang did it one by one. After that, the customer service sent an electronic contract for Xiaojiang to fill in and said that it would be submitted to the bank. At this time, there was a problem with Xiaojiang's loan.

"He said that there was less water in my bank card and I couldn't borrow money. Let me put 15000 yuan into the bank card, and then I will put in the living expenses and tuition. Later, he said that the application there was successful. Let me send him the text message and then send him the verification code. "

Just after giving the customer service verification code, Xiaojiang received a debit notice from the bank on his mobile phone. In the end, Xiaojiang's WeChat was deleted by the other party, and the customer service phone was never opened again.

2. Netizen Xiao Fei is going to borrow money to buy a house at the end of the year, but when she applied for a bank loan to buy a house, she was told by the bank staff that she had been blacklisted by the bank because of her overdue behavior many times before. Not only can he not apply for any loan, but he also needs to repay the bank's debts. But Phillips felt very puzzled, because there was no loan in the impression, let alone overdue. After collecting the personal credit report, it was found that this was because he lent his ID card to a relative in his hometown a few years ago, which led to the phenomenon of "being loaned".

In fact, without my knowledge, it is not uncommon for others to use identity loans, which is also commonly known as "being loaned", and I bear huge legal risks.

Xiao Li is such an unfortunate victim. His identity card has been "borrowed". Without his knowledge, I don't know which "friend" took it to the online loan 1 10000.

Now in loans overdue, online loan companies have been chasing Xiao Li to pay him back, and even threatened to sue him. While dealing with the other party, Xiao Li is worried that the overdue loans under his name will leave a credit stain, which will lead to the inability to apply for housing loans in the future.

How to prevent your identity information from being used for online loans in practice?

First, take care of your identity information.

Don't lend your ID card to others.

Don't lend your mobile phone to others easily.

Don't tell others the passwords of the payment platform and social platform accounts.

The above practice is to avoid losses caused by revealing your identity information. Now many Internet companies may have to verify the authenticity of their identities through Alipay when issuing loans. Because Alipay is bound to its own identity. Therefore, once the Alipay account or WeChat account is leaked, it may bring risks to itself.