The expiration of the ID card will not only affect the residents' handling of savings and other businesses in the bank, but also affect their handling of house purchase, insurance and passports for going abroad. For example, if the second-generation ID card expires for more than half a year, you can still board the plane with your passport, temporary id card and other documents within the validity period, but it will add a lot of formalities and may delay the boarding time.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Extended data:

Credit card processing flow

1. application

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

Step 2 review

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

Issue cards

After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.

Open the card

Because the credit card application is approved by post, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. .

identify

The credit card has at least the following information on its surface:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, card number, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: the magnetic stripe of the card, the cardholder's signature column (which must be signed after activation), the service hotline, the four or all digits after the card number (to prevent fraudulent use), and the credit card security code (the three digits immediately after the signature column on the back of the credit card are used for credit card activation, password management, TV, telephone and online transactions, etc. ).

authorize

The merchant and the bank confirm that the credit card is valid and contact the bank for authorization according to the contract signed with the issuing bank. Authorization is the amount that can be used to further prove the identity of the cardholder. Authorization is generally carried out when the usage specified in the contract is exceeded.

After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

use

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

8. Cancel this card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

People's Network-You can get a new ID card within 25 working days after the ID card expires.

Baidu encyclopedia-credit card