Yes. Everyone's ID card has a validity period, which is usually renewed every 10 years. When it expires, it must be replaced with a new one. Otherwise, the personal identity will not be recognized, and the business conducted with the ID card will also be affected. Take a credit card as an example. If the certificate reserved in the bank expires, the bank will control the credit card transaction. The card has a limit, has not been blocked, and cannot use the card to make purchases.

Many cardholders have encountered this situation in the past. They used their credit cards well, there were no irregularities, and they repaid their bills on time every month. But one day they suddenly found that they could not. After using the card, I searched for a long time but couldn't find the reason. I called the card bank's service hotline to consult customer service and found out that the reserved ID card had expired.

However, the credit card is controlled but cannot be used for transactions. The account still exists and the repayment can still be made normally. However, you still need to pay attention to the repayment method. You cannot repay by inserting the card in the ATM machine and depositing cash. Repayment can only be made through transfer to the card number corresponding to the credit card. It is best to choose free channels for repayment, such as mobile banking and UnionPay APP.

If you want to resume using your credit card, after you change your ID card, you still need to go through bank channels, such as any local branch where you apply for the card, bring your ID card, credit card, and mobile phone with a reserved number to update your ID card. Information, or you can upload the new ID card directly to mobile banking or WeChat official account. Once the update is successful, the credit card can be used immediately.

Extended information:

1. What does it mean if the credit card document is expired or abnormal?

Credit card consumption requires verification of the cardholder's identity information. If the certificate expires or the certificate is abnormal, the identity authentication will fail:

1. Expired certificate: This is easy to understand. . No matter what kind of certificate it is, it has a validity period. Taking an ID card as an example, it is usually 10 years, 20 years, and there are also permanent ones. If the cardholder's ID card expires, the ID card information reserved in the bank will also expire.

2. Abnormal documents: This sometimes includes expired documents, but because the credit card is a forged card, the documents do not meet the requirements.

2. How to solve the problem of expired or abnormal credit card documents?

1. Certificate expiration: There is only one solution to this problem. You must update the expired certificate to a new certificate, and then upload the new certificate through the bank’s official channels and replace it with the previously reserved identity information. For specific update methods, please read "How to update an expired credit card document?" You can try these methods” this article.

2. Abnormal documents: If it is a forged credit card, it cannot be updated. If it is found to be a counterfeit card, it will be confiscated. In serious cases, the person who provided the counterfeit card may also Pursuing criminal liability for credit card fraud.

Credit card application:

If customers want to apply for a credit card, they can directly bring their personal ID and proof of income (such as bank statements, pay slips) and other relevant information to the selected bank's online store. Go to the counter of the business outlet and ask the staff to apply for a card, then get the application form to fill in, and then hand the completed form together with the information to the staff, and then just wait patiently for the bank's review

After the bank approval is completed, it will naturally send a message to notify the customer. If the approval is passed, the bank will print a card for the customer and then mail the prepared card to the customer. Customers can activate it after receiving the card.

Of course, in addition to applying at branches, customers can also apply directly on the bank's official website, mobile banking client or credit card APP. However, everyone needs to be aware that if you apply for a credit card from a bank online for the first time, you may have to go to the bank for an interview later.

Customers should pay attention to keeping the phone open after submitting the card application, because some banks may call the customer to ask for some relevant information during the review. In this regard, if the call is not received in time, it may have a certain impact on the card approval.