Failing to update the information of the new identity card to the bank in time after the expiration of the validity period of the identity card and the replacement of the new identity card. According to the Administrative Measures on Customer Identification and Preservation of Customer Identity Data and Transaction Records of Financial Institutions, if the identity documents or identification documents previously submitted by customers have expired, and the customers have not updated them within a reasonable period of time without giving reasonable reasons, financial institutions should stop handling business for customers.
In fact, bank cards and ID cards are two non-conflicting objects, but if you hold an expired ID card, you can't apply for a bank card, let alone a new credit card. So for the old users who have already applied for a credit card, can the credit card still be used after the ID card expires? The following banks have corresponding influences, so we must pay attention to them.
1, credit card category
China Merchants Bank, Bank of Communications, Minsheng, Xingye, Ping An, Citigroup, HSBC, Bank and other banks. You can send a copy of the front and back of your ID card to the bank credit card center by fax, photo, email or mail, and indicate the "ID card renewal period". If it's no trouble, you can also take these materials to the outlets to update.
In addition, some banks such as Guangfa, Ping An Securities and Minsheng can change directly in the app.
There are also credit cards of the four major banks, Guangfa, Postal Service and China Everbright as long as
The cardholder's ID number remains unchanged, and the related contents of the credit card do not need to be updated.
2. Debit card
Banks such as Agricultural Bank of China, China Construction Bank and Postal Service will automatically update as long as they have not changed their ID cards. If the number changes, it is best to go to the bank outlet in person.
The expiration of the one-card account opening certificates of banks such as Bank of Communications and China Merchants Bank will not affect the one-card payment, and businesses such as transfer, remittance and withdrawal that need to enter the certificate number may not be handled. It is recommended to update the information at the outlet with your card and valid ID as soon as possible.
It is recommended that people with ICBC debit cards update relevant information at outlets to prevent card replacement due to expiration or other special circumstances.