Hello, 1, others can't use your ID card to repay the loan, and there is no criminal responsibility involved. 2. Others borrow money with your ID card. Although it is your name, the loan has nothing to do with you as long as you are not present to sign it. 3. According to Article 32 of the Contract Law, if the parties conclude a contract in the form of a contract, the contract is established when both parties sign or seal it. Signature must be signed by himself or himself, and notarized power of attorney should be provided for signature. If you sign or press your fingerprint, you are the debtor. Or there is evidence that the loan funds are actually used by you in part or in whole, you should bear the obligation to repay. If the repayment is not made on time, the bank can enforce it through the court.