Bank card information leakage, money theft, bank card leakage, loan.

What will happen if someone else takes a bank card online loan?

1, there are the following kinds:

(1), the photos on the front and back of the ID card have personal privacy, such as personal home address, ID card number, etc. It is easy to reveal personal privacy information if the ID card photos are leaked.

(2) If the photos on the front and back of the ID card are leaked, online criminals will register and authenticate personal websites with their real names, which will easily affect personal credit.

(3) The photos on the front and back of the ID card are leaked, and the illegal photos flow into the hands of criminals, which may be used to register the account of a foreign shopping website, and future crimes will have an impact on me.

(4) The disclosure of photos on the front and back of the ID card may be used by criminals to sell personal information of citizens such as ID cards and bank card information on the Internet for profit.

2. What is a bank card?

(1) Bank card refers to a credit payment tool approved by commercial banks (including postal financial institutions) and having all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.

(2) Classification of bank cards Generally speaking, bank cards are divided into credit cards and debit cards according to whether credit lines are granted to cardholders. In addition, bank cards can be divided into magnetic stripe cards and chip cards according to different information carriers; According to whether the issuer is in China, it is divided into domestic cards and overseas cards; It is divided into personal cards and unit cards according to different issuers; According to the different currencies of accounts, they are divided into RMB cards, foreign currency cards and dual currency cards.

(3) Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. The transfer card has the functions of transfer, cash deposit and withdrawal and consumption. Special card is a special-purpose debit card used in a specific area (except for department stores, restaurants and entertainment industries). It has the functions of transferring money and depositing and withdrawing cash. Stored value card is a prepaid wallet debit card in which the bank transfers funds to the card for storage according to the cardholder's requirements, and directly deducts money from the card during the transaction.

(4) [Debit card] can be used for online or POS consumption or ATM transfer and withdrawal, and cannot be overdrawn. Interest is paid on the amount in the card according to the current deposit. When spending or withdrawing money, the funds are directly withdrawn from the savings account. Debit cards usually require a password when used. Debit cards can be divided into ordinary cards, gold cards and platinum cards according to their grades; According to the scope of use, it can be divided into domestic cards and international cards.

(5) Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Will others borrow money if their ID cards and bank cards are leaked?

Answer: No. This is an information age, so we almost always use ID cards when we go out, and at such a special stage of the epidemic, ID cards have become a symbol of a person's identity and basic documents. Identity cards are closely related to our lives, such as taking the train and handling business. The title of this issue brought by Bian Xiao is: If the photos on the front and back of the ID card are leaked, can others successfully borrow online with the photos?

When a borrower applies for a personal loan from a bank, it is required to fill in a written application form and submit the following materials:

1, my valid identity document;

2. Proof of residential address (household registration book, etc.). );

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information stipulated by the bank.

Before, Bian Xiao also heard the teacher say at school, don't lend your ID card to others casually, or you will be at your own risk. Is online lending really easy to handle? Later, Bian Xiao also made a special effort to find out that the requirements for online loans are really low, but the review process is very strict. Maybe they have thought of all these means that you have thought of. It is said that the audit process needs to brush the face, and the face should be the same as the face on the ID card. So even if you can get a loan, at least you have to go through the audit!

And brushing your face is now like face recognition. You have to open your mouth, blink and nod, so that even if the loan is successful, the money will eventually reach the borrower with the ID card. So don't worry about what will happen if the ID photo is leaked. The original may not be a successful loan, let alone a photo.

However, Bian Xiao feels that if the photo of the ID card is leaked, there is no need to worry too much. Just report the loss as soon as possible and reissue another one.

However, such valuable things as identity cards must be put away, and at the same time, don't let little people do anything with them. After all, some things are hard to say. In case something goes wrong, everyone must use the law to safeguard their own interests, and don't just bow their heads. Appropriate resistance may have unexpected effects, so try it. But you must keep your ID card, remember?

Personal information of ID card and bank card was leaked. Can others borrow money online?

If personal information is leaked, the loan company may not issue loans without the consent of the parties. Personal loan requires my consent, and the lender needs to verify the true identity of the lender, otherwise it is an illegal loan. You can't do any banking business, including credit cards and loans, just by relying on ID information.

For businesses that need an ID card, the ID card is generally checked, and the salesperson who asked me to handle it is responsible for checking the ID card.

In the process of credit card processing, we must implement the "three relatives" system, that is, personally see the applicant, personally check the original identity card of the applicant, and personally see the applicant's signature. As long as the bank personnel implement the system, only my ID card is not allowed to apply for loans!

Others can't apply for a loan with your ID card. Bank staff will verify whether it is their own identity when handling loans.

According to Article 17 of the Interim Measures for the Administration of Personal Loans, lenders should establish and strictly implement the loan interview system. If low-risk loans are issued through electronic banking channels, the lender should at least take effective measures to determine the true identity of the borrower.

Article 18 The loan review shall comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.

Extended data:

Interim Measures for the Administration of Personal Loans Article 41 Where a lender handles personal loan business in violation of these measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. Under any of the following circumstances, the China Banking Regulatory Commission may take the regulatory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China:

(1) Failing to investigate and review the loan due diligence;

(2) Failing to establish and implement the system of loan interview and loan contract face-to-face signing as required;

(3) The terms of the loan contract have not been publicized;

(four) in violation of the provisions of article twenty-seventh;

(five) payment management does not meet the requirements of these measures.

Will bank cards, mobile phone numbers and ID numbers be used by scammers for online loans?

It is possible that many online loans are not standardized now. As long as you use all your information, you can finally make online loans in your name. In addition, it is possible to use your information to do other illegal things.

Bank card leaks, loan and bank card information leaks, and the introduction of stolen money ends here. I wonder if you found the information you need from it?