Under normal circumstances, the bank will send you a text message before your ID card is about to expire, notifying you that your ID card is about to expire and will notify you to bring your valid ID to the bank for renewal. Cardholders only need to bring their new ID card and bank card to the bank counter to update their personal identity information.
If it is a China Merchants Bank credit card, in addition to updating your identity at a China Merchants Bank outlet, you can also enter this page by selecting "My" in the lower right corner after registering your mobile phone number and entering on the page. After entering "Data Management", select the first item "Document Borrowing" and click "Renew ID" to upload a new ID document for confirmation. If the cardholder's ID card expires and does not receive a timely update via text message, the funds in the old bank card will not be frozen. However, in the process of using the bank card, some may be subject to receipt restrictions, so it is still recommended that everyone Apply for a new ID card in a timely manner and update the information promptly to facilitate other services.
Operating environment:
Brand model: iPhone13
System version: iOS15.0
App version: v10.1.0
The impact of the expiration of China Merchants Bank’s ID card: Once the ID card expires, some businesses will be affected immediately, regardless of the expiration time.
2. In some cities, if the card account opening certificate expires, non-counter services will be terminated.
3. After the certificate expires, you can go to any CMB branch to maintain the validity period of the certificate. Or log in to the mobile banking APP to maintain the validity period of the certificate (the certificate you need to retain is a Chinese resident ID card, and it has expired/will expire/invalid.)
The impact of the expiration of the bank’s reserved ID card The main ones are as follows:
1. Due to the bank's management requirements and the security of the cardholder's account, the bank will stop the user's credit card overdraft consumption before updating the valid information on the ID card.
2. Users cannot use the various rights and interests of the credit card. If the credit card is not updated for a long time, the credit card will enter a closed state.
3. The user’s debit card business and other basic services will also be restricted. For example, the debit card can only be transferred in but not out.