Guangfa Bank called me at 02095580 to ask me to apply for a credit card. I also reported my ID number to him and asked me to authorize a credit report. Is this a lie?

Youyou are advised not to believe this. If you want to apply for this credit card, it is better to go to a regular business hall to apply for it.

You don’t have to worry too much. You just leaked an ID number and it’s not a big problem. The worst result of losing your ID card is that someone else uses your identity to engage in fraudulent activities. All you reveal is your number and name, which is not a big problem. Even if someone forges your ID card to commit fraud, Once it is verified that it was not your fault, you still do not need to bear any responsibility. Your biggest trouble now is that your home phone number and address have been leaked, and harassment by others is a potential risk. If you encounter harassment, just call the police and it’s not too troublesome.

Guangfa Card Application

1. The principal card customer must be a natural person who is over 18 years old and has full capacity for civil conduct, has legal and stable income, and has good credit. Applicants for supplementary cards must be at least 16 years old.

2. The bank implements multi-card management of credit cards, and all credit cards (including principal cards and supplementary cards) under the customer's name belong to the same customer account. Main card customers can apply for supplementary cards from the bank for other natural persons. All accounts of the supplementary cards will be credited to the main card account. Main card and supplementary card customers must bear joint and several liability for all debts in the Guangfa Card account.

3. Customers should provide true, complete, accurate and effective data and information as required by the bank, including but not limited to personal identity information, personal property information, account information (collection account, repayment account) and other information . No matter whether the Guangfa card application is approved or not, the bank will no longer refund the money.

4. The above information provided by the customer and the content filled in by the customer in the application form (including but not limited to correspondence address, mobile phone number, telephone number, ID number, validity period and other certificate information, email address and other information ) If there is any change or invalidation, you should contact the bank immediately to go through the change procedures. Any documents sent to the correspondence address provided by the bank or the court with jurisdiction over the litigation will be deemed to have been delivered. The consequences and losses caused by the information provided by the customer being inaccurate, incomplete or not updated in a timely manner will be borne by the customer.

5. The customer agrees and authorizes the bank to query, process, retain and use its property through the People's Bank of China's basic financial credit information database, the credit information database approved by the credit reporting industry supervision and management department, and other channels. , personal information and information related to credit status to confirm the customer's credit status. The customer agrees and authorizes the bank to inquire, process, retain and use its property, personal information and credit as permitted by laws and regulations such as credit approval, guarantee qualification review, post-loan management, objection verification, etc. after applying for a credit card and applying for the card. Status-related information and credit reports obtained from bank inquiries can be used for legitimate purposes such as credit approval, guarantee qualification review, post-loan management, and objection verification. All consequences and legal liabilities for inquiries beyond the authorized level shall be borne by the bank. A statement that the customer is aware of and understands the terms of this license. The bank promises to keep the above customer information confidential.

6. The customer agrees and authorizes the bank to submit the above information to the basic financial credit information database of the People's Bank of China and the credit information database established with the approval of the credit industry supervision and management department; the customer agrees and authorizes the bank to submit the above information to the basic database of financial credit information of the People's Bank of China and the credit information database established with the approval of the credit industry supervision and management department; the customer agrees and authorizes the bank to submit the above information according to judicial Government agencies, financial regulatory agencies or other administrative agencies require the processing of the above information, or provide the above information to bank card organizations, financial industry associations, social credit agencies or other financial institutions in accordance with legal procedures; within the scope of the law, the customer agrees And authorize the bank to use the above information for case investigation, debt recovery, etc. by the bank itself or by entrusting a third party. If the above adverse information and other reporting situations occur and the customer is required to be notified according to law, the bank can notify the customer by phone, text message, email, statement, collection order, etc. The customer's contact information shall be the contact information submitted and retained by the bank. .

7. The above authorization by the customer is deemed to be the consent for the bank to obtain and submit the customer's personal financial information through legal channels. The bank will use it prudently and legally and keep it confidential.

The information obtained involves customer privacy. Customers may bear the adverse effects caused by poor credit records due to their own reasons or other reasons. Customers acknowledge the authorization behavior and are aware of the possible consequences of the authorization behavior.

8. In order to provide better products and services, the customer agrees that the bank will use his personal financial information to provide other products and services of the bank and its branches and affiliated companies, and agrees to provide the customer's personal financial information to the bank. Business partners and third parties entrusted to handle matters (including but not limited to China UnionPay bank card risk information sharing system, China UnionPay and other bank card international organizations, Party A's non-financial institution payment service payment institutions, Party A's joint names card partners, Party A’s service agencies, agents, outsourcing agencies and related credit institutions) for purposes including but not limited to payment settlement, co-branded card services, value-added services, financial services, repayment, etc. Banks are obliged to require business partners and third parties entrusted to handle matters to keep customer-related information confidential and prevent the information from being illegally used.

If the customer does not agree to provide personal financial information to the bank and its branches or business partners contracted with the bank and third parties entrusted to handle matters, the customer can notify the bank in writing at any time, and the bank will notify the bank after receiving the notice. , within the time limit specified by the bank, it will stop providing corresponding products and services to customers, and customers will not be able to enjoy the corresponding discounts and value-added services provided by the bank.