You can't get a credit card if your ID card expires.

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,++,English or pinyin name, activation date (generally calculated to the month) and effective date (generally calculated to the 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: card magnetic stripe, cardholder's signature column (which must be signed after activation), service hotline,++last four digits or all++(to prevent fraudulent use), credit card security code (the last four digits of the signature column on the back of credit card are followed by three digits 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

What will happen if the credit card ID card expires and is not updated?

If you want to use credit cards, savings cards, Alipay and WeChat normally, you must ensure that your ID card information has not expired, otherwise the platform will constantly prompt users to update information. What will happen if the credit card ID card expires and is not updated? Can I keep using it? Let's have a look.

The ID card has expired.

The cardholder's ID card has expired, and some functions of his credit card will be affected. Credit cards cannot be traded, and installment, cash withdrawal and various over-the-counter businesses cannot be handled. In addition, credit card rights cannot be exchanged and points cannot be used.

My ID card information has expired, so I should go to the local police station to reissue it as soon as possible. After getting a new ID card, the user can update the ID card information through the mobile banking APP, or go to the bank outlet to update the ID card photo information.

Does the expiration of the second-generation ID card affect the normal use of credit cards?

The expiration of the second-generation ID card will not affect the normal use of credit cards, but will affect the handling of banking business; Because the identity information authentication system can't pass, ordinary bank cards can't be processed. Suggest a new one. Measures for reporting loss of bank card and ID card together: 1, reporting loss; 2. Reissue temporary id card; 3. Online banking transfer; If online banking is opened, you can first find a place where you can surf the Internet and log in to online banking. Transfer the money inside to another card. If the loss is reported, the funds may be frozen and cannot be transferred. Therefore, this step can be operated before the first step to minimize losses.

Does the expiration of ID card delay the repayment of credit card (debit card)?

If the ID card expires, it will not delay the repayment of the credit card (debit card). After the ID card expires, the use of credit cards (debit cards) will be restricted, which means that credit cards (debit cards) cannot be used for consumption. However, the repayment function is still normal, and users can still repay normally during this period. After discovering that your ID card has expired, you must use the mobile banking APP as soon as possible or go to a bank outlet to run the update.

Of course, after the ID card is successfully updated, the bank may not send a short message to inform the user, as long as the credit card (debit card) function returns to normal.

Will the expired ID card affect the use of credit cards?

My husband and I's ID cards expired in June last year and February last year respectively. When I returned to my hometown in July, I only went to apply for an ID card for my child, but I didn't apply for a new ID card for myself. Later, I received some SMS notifications, including securities, banks and funds, reminding me that my ID card has expired and I need to provide a new ID card.

There are 1 credit cards in my name, and there are 5 credit cards in my husband's name, all of which are at my disposal. I'm worried about the credit card when my ID card is about to expire. After all, there are many bills on the credit card, and I am worried that I will ask for a one-time repayment because my ID card has expired. I asked Du Niang, and the answer was no, and the impact was not great, so I was relieved. With so many credit cards, only the reminder of the expiration of the traffic ID card and the notice to reissue a new one were received, which was ignored by other banks.

65438+ The new ID card was received in 10, but the latest information was not updated to the bank. I have a credit card in my hand. I want to change all the information online and upload the latest information, but it seems that this information can't be operated manually. The bank didn't ask me for it, so I left it alone. As for my husband's five credit cards, I asked him if there was a bank to ask him to provide new documents. He said no, even if the traffic credit card sent a text message, there was no further follow-up. Moreover, during this period, the traffic credit card gave my husband a new credit card, and the first one has expired. There are also some credit cards that still give us a limit, which has not affected the normal use of credit cards!

So much for the introduction of the influence of ID card expiration on credit cards.