The student applied for a social security card without knowing it.

Legal analysis: This is an illegal act, which violates citizens' privacy.

The government or citizens provide citizens' information to banks in order to let them apply for social security cards, not bank cards. It is obviously illegal for banks to use this information for other purposes and apply for bank cards without the public's knowledge and authorization. It is also a kind of deception, and the public can sue the bank. Banks handle cards in the name of users, which violates the principle of mutual consent and voluntariness, and the contract itself is not established.

Once the bank card is successfully processed, it means the establishment of a contractual relationship. Users should not only enjoy rights, but also undertake obligations. This doesn't mean that they don't charge annual card fees, or that everything is fine.

But bank cards contain many rights and obligations. After all, users have a lot of obligations to handle bank cards. For example, if they overdraw, they must calculate interest. Once other expenses occur, all bank cards are original passwords. Once the bank card is lost or used by criminals, the amount in the card will be stolen or even overdrawn. "

Legal basis: Article 29 of the Law of People's Republic of China (PRC) Commercial Bank shall follow the principles of voluntary deposit, freedom of withdrawal, interest-bearing deposit and confidentiality for depositors.

Commercial banks have the right to refuse any unit or individual to inquire, freeze or deduct personal savings deposits, except as otherwise provided by law.