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Do I need the original ID card to open a bank account or apply for a credit card? Just a photocopy is not allowed.

No, of course you need the original ID card.

Copy of resident ID card is only a record of the appearance and surface text information of the document. It is prone to forgery and alteration during the copying process. Therefore, it can only serve as a reference when verifying citizen identity information and does not have any Legal validity of proof of citizenship.