Can the credit card continue to be used normally after the ID card expires

The expiration of the ID card will affect the use of the credit card. If the ID information retained in the bank has expired, then due to supervision Due to the requirements and the security of the cardholder's account, the bank will not let you use the credit card for overdraft consumption before you update the valid information on your ID card, and you will not be able to exchange various rights and interests through the credit card.

Updating an expired credit card ID card is not troublesome. You can call customer service to update it, call the bank's credit card customer service hotline, transfer to manual service, and ask customer service to update the credit card ID information, and the customer service will verify your identity. We will handle it for you later.

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".

My ID card has expired, can I apply for a credit card?

You can use it

If your ID card has expired, you must go to the police station to replace it in time, and then go to the bank to re-verify your identity information. If the customer's identity document expires, it means that the account opening agreement signed by your bank and you has expired. Anti++ stipulates that customers must provide valid identity documents to apply for bank cards.

Reasons:

1. When going to the bank to handle business, you must verify your identity document. Expired certificates cannot handle business, because the bank is responsible for the customer.

2. Most banks stipulate that there is a three-month change period after the ID card expires (because it takes time to renew the ID card). If it exceeds three months, all your business processing will be terminated. Within three months, your bank cards, mobile banking, and third-party payments will not be affected, but going to the bank counter to handle business will.

Extended information

Resident ID card is a legal document used to prove the identity of the holder. It is mostly issued to citizens by governments of various countries or regions. And serves as an important identification document for everyone.

The resident identity card of the People's Republic of China was written as "identity card" before 1984. On April 6, 1984, the State Council promulgated the "Trial Regulations on Resident Identity Cards of the People's Republic of China" and began to issue the first generation of resident identity cards.

Since March 29, 2004, mainland China has officially begun to issue second-generation resident identity cards with built-in non-contact IC card smart chips to residents. The surface of the second-generation identity cards uses anti-counterfeiting film and printed anti-counterfeiting technology that uses a personal color photo and allows a machine to read the information in a digital chip.

In accordance with the "Law of the People's Republic of China on Resident Identity Cards", Chinese citizens who are over 16 years old and reside in the territory of the People's Republic of China shall apply for a resident identity card in accordance with the provisions of this law. Identity card; Chinese citizens under the age of 16 may apply for a resident identity card in accordance with the provisions of this law.

The items registered on the resident ID card include: name, gender, ethnicity, date of birth, permanent residence address, citizenship number, personal photo, validity period of the certificate and the issuing authority.

The citizen identity number is a unique and lifelong identity code for each citizen. It is compiled by the public security organs in accordance with the national standards for citizen identity numbers. Citizens who need to prove their identity when engaging in relevant activities have the right to use their resident identity cards to prove their identity, and relevant units and their staff may not refuse.

Baidu Encyclopedia: ID card

My ID card is about to expire. I would like to ask if my credit card can still be used when the ID card expires?

It works fine. use. The expiration of the ID card will not affect the use of the credit card, but the debit card will be affected by the expiration of the ID card. It is best to go to the police station where your household registration is located in advance to get a new certificate. After updating the certificate, go to the bank to change the information. Everyone's ID card has an expiration date, and the validity period is different depending on the age. The validity period is ten years, twenty years, or long-term.

After the validity period, the public security agency will cancel the ID card information. After that, whether you stay in a hotel, go on a business trip, or handle business at a bank, it will be affected.

How long does it take for a credit card to be suspended after an ID card expires?

The card will not be suspended in the short term. Each bank has different regulations on the expiration of the ID card. The details are as follows:

1. Shanghai Pudong Development Bank: Starting from July 26, 2018, for customers whose identity documents have expired for more than 90 days, the non-counter services for their accounts will be suspended. For customers whose identity documents have expired for more than 90 days before this, the non-counter services will be suspended. Services will also be gradually suspended in batches; non-counter services refer to transactions handled through self-service channels such as online banking, mobile banking, POS, ATM, and VTM.

2. China Everbright Bank: After the user’s ID card information expires, the scope of banking business restrictions includes but is not limited to new business signings, account withdrawals (withdrawals, transfers, financial management, fund purchases) and other dynamic account transactions; In addition to non-counter services such as ATM, POS, mobile banking, and online banking, some banks have suspended over-the-counter withdrawals and transfer transactions for customers whose identity documents have expired for three months and have not been updated.

The businesses that will not be affected in the short term after the bank reservation information expires are: deposits and remittances, ordinary withdrawals, bank self-service transfers, online payments, card consumption, online banking and mobile banking login; it will affect The businesses include: self-service operations that require input of ID number and businesses such as counters and VTMs that require the presentation of ID cards.

Take ICBC as an example. The validity period of the certificate retained by ICBC has expired. Users can update the certificate through the following methods:

1. Through mobile banking "My-Settings-Certificates" Use the "Validity Period Maintenance" column to update the certificate in real time;

2. Through the smart teller machine, select the "Account Management-ID Card Validity Period Update" column, insert the card according to the page prompts, enter the password, and then insert the ID card to update in real time. The validity period of the certificate;

3. Apply through the ID card swiping machine, which will be updated in real time after the application is successful;

4. The user can bring the newly applied ID card to any business outlet for application , after successful processing, real-time updates will be displayed on the telephone, online banking and mobile banking channels.

What to do with your credit card if your ID card expires

After your ID card expires, you need to go to the bank to update the information in time. Accounts that have not updated customer interest rates for more than a month will be controlled and funds will only come in but not go out. It will affect the normal use of customer accounts.

The validity period of the identity document expired. After applying for a new identity card, the new identity card information was not updated to the bank in time. According to the "Measures for the Administration of Customer Identification and Preservation of Customer Identity Information and Transaction Records of Financial Institutions", if the identity document or identity document previously submitted by the customer has expired, and the customer fails to update it within a reasonable period and fails to provide a reasonable reason, the financial institution shall Transactions for customers should be suspended.

In fact, bank cards and ID cards are two things that do not conflict with each other. However, if you hold an expired ID card, you cannot apply for a bank card. It is even more impossible to apply for a new credit card, so for For old users who have applied for a credit card, can the credit card still be used after the ID card has expired? The following banks will have corresponding impacts, so be sure to pay attention.

1. Credit card type

If banks such as China Merchants Bank, Bank of Communications, Minsheng, Industrial Bank, Ping An, Citigroup, HSBC, etc. require updated information, you can fax copies of the front and back of your ID card. , take a photo and send it by email or mail the information to the bank's credit card center, and indicate the "validity period for renewal of ID card". If you don't mind the trouble, you can bring these information to the outlet to update them yourself.

In addition, some banks such as Guangfa, Ping An Securities, and Minsheng can change it directly in the app.

There are also credit cards from the four major banks, China Guangfa, China Post, and Everbright. As long as

the cardholder’s ID number remains unchanged, the credit card-related content does not need to be updated.

2. Debit cards

For banks such as Agricultural Bank of China, China Construction Bank, and Postal Service, as long as the ID card does not change, the system will automatically update it. If the number changes, it is best to go to the bank branch to handle it in person.

The expiration of all-in-one card account opening certificates from Bank of Communications, China Merchants Bank and other banks will not affect all-in-one card payments, transfers, remittances, withdrawals and other services that require entering the ID number and may not be processed. It is recommended to go to the branch with your card and valid ID to update your information as soon as possible.

It is recommended that people with ICBC debit cards go to branches to update the relevant information to prevent card usage problems when the card expires and cannot be replaced or other special circumstances arise.

Can a credit card still be used if the ID card expires?

Whether a credit card can be used has nothing to do with whether the ID card has expired. Within the validity period of the credit card (usually 5 years), the credit card can be used normally. The ID card is a legal document used to prove the identity of the holder. It is used when applying for a credit card. The ID card is generally not used when using a credit card.

The validity period of a credit card is usually 5 years. Some cards are valid for more than 5 years and can reach up to 10 years. Cardholders can check the validity period of their credit card through the 4 digits on the front of the credit card and under ++.

For example: the credit card validity period displays "5/20", which means the card will expire in May 2020. The first two digits of the validity period represent the month, and the last two digits represent the year.

Credit card is a payment tool for non-cash settlement. A credit card is a credit certificate issued by a bank for consumers to purchase goods and pay expenses. Credit cards were first issued by Bank of America in California in the 1920s. They became popular across the state in the late 1950s, across the United States in the mid-1960s, and became popular around the world in the 1970s.

Credit cards are generally made of plastic, with the cardholder's name, signature style and number printed on the card. Cardholders do not need to carry cash and checks when going out. They can use their credit cards to purchase goods and pay for goods at designated stores, hotels, and restaurants, and they can also exchange a certain amount of cash at designated banks.

This is the end of the introduction about credit cards with expired ID cards and whether credit cards with expired ID cards will be deactivated. Have you found the information you need?