1. Will ICBC ask anything when asked to verify my identity?
ICBC identity verification is the verification of personal customer identity information. During verification, the following questions will be asked: name, gender, nationality, occupation, place of residence or work unit address, contact number, identity document or type of identity document, Number and certificate validity period.
If the personal information in the bank system is incomplete or incorrect, the system will terminate the non-counter service of the bank card.
2. What does it mean that ICBC requires me to bring my ID card to verify my identity?
If the bank calls the customer to verify their identity information, it is nothing more than the following two pieces of information; 2. Further verification against the bank. Currently, banks provide two electronic channels for complete and updated personal identity information (mobile banking, online banking, WeChat banking, etc.). Second, you must bring your valid ID to a bank branch to apply.
"Measures for the Management of Customer Identification and Preservation of Customer Identity Information and Transaction Records of Financial Institutions. Institutions shall not provide services or conduct transactions with unidentified customers, and shall not open anonymous banks for customers to retain identity information in their names." The provision of financial services under the account will be suspended.
There are 9 pieces of customer identity information that need to be verified:
Name, gender, nationality, occupation, residence or work unit address, contact number, identity document, identity The type, number and validity period of the certification document. A complete piece of personal customer information is the basic authentication of the customer's identity and the basic condition for customers to handle business in the bank; it can also prevent units and individuals from being opened accounts under false names by criminals, reducing financial losses.
If the information is incomplete and untrue, in accordance with relevant national regulations, if the personal information is not updated within a maximum of 90 days after the first prompt of the bank text message, non-counter channel transactions will be affected; failure to do so within a reasonable period If the customer information is re-identified, the customer will be suspended from handling some services. Specifically, financial services such as financial services and settlement will be restricted.
3. What will be the consequences of failing to verify the ICBC account identity information in time?
If the account identity information is not verified in a timely manner, our bank will suspend the account from ATM, POS, online banking, etc. The self-service channel handles real-time withdrawal, consumption, transfer and other services. Please bring your valid ID and the account that needs to be verified to any of our branches nationwide to complete account identity information verification. After verification, your account can be used normally. In addition, it is recommended that you first log in to our bank's portal website (www.icbc.com.cn) and learn about your account verification status through the "Customer Service-Convenient Functions-Passbook Inquiry-Account Service-Account Verification Status Inquiry" column.
4. When ICBC applies for a credit card and calls relatives and friends for verification, what content will be verified?
Contents of telephone callback when applying for a credit card: Mainly include the following: applicant’s name, ID number, name of work unit, current position, work address and home address. You only need to fill in the information based on the credit card application form Just answer truthfully.
When applying for a credit card, the bank needs to review it, and a telephone return visit is one of the steps. Usually, you will call your work phone, but sometimes you will also visit your relatives and friends, so be prepared before the bank return visit.
1. Remember the application materials. It is best to make a copy and take it with you. Remember the more important matters in your mind.
2. Say hello to your colleagues in the company in advance. The unit's landline phone number on the application form is the one that is most frequently visited, so you need to say hello to the person who answers the phone in advance.
Especially for those who apply for a card with a relatively large company, the bank will most likely not call you according to the fixed number you wrote, but will check the company phone number yourself. If the bank calls, the colleague who answers the phone does not happen to be there. Knowing you, your application is basically dead. The landline phone provided belongs to a friend, so you should also say hello to your friend in advance.
Special note: During the credit card application process, sometimes the bank will call some people to verify your situation, but usually the call will be to your workplace. If it is during the approval process, generally the contact persons you filled in, such as immediate family members, will not be called. If you need to check your credit during the approval process, the most important thing is to call your work unit to verify. However, if some of your information is not very clear, we will call you to check. If we can't find you after calling several times, we may call your contact person.
If the contact information is not filled in clearly, for example, if the occupation is not written, it is possible to call the contact person directly, but this is generally not possible.