According to the inquiry of Hualv. com, temporary id card can apply for a bank card as long as it is within the validity period, and you can apply for a bank credit card by using temporary id card as proof of identity within the validity period as long as you meet the application conditions of a credit card. The legal effect of temporary id card is the same as that of a formal identity card.

temporary id card is mainly a kind of temporary identity certificate for people who have lost their identity cards and haven't had time to reissue them. According to Article 3 of the Administrative Measures of temporary id card, temporary resident identity cards have the legal effect of proving citizenship.