Credit cards can still be used after the ID card expires, but they will be deactivated if the ID card information is not updated for a long time. Major banks stipulate that cardholders' ID cards should be reissued as soon as possible after expiration. If it is out of date, it needs to be updated in time. If it is not updated for a long time, the bank card will be locked and cannot be used. It should be noted that once the personal ID card expires, some businesses in the credit card will be immediately affected regardless of the expiration time. Does not affect: deposit remittance, general withdrawal, transfer-out, online payment, credit card consumption, online banking and mobile banking login.
According to the Administrative Measures on Customer Identification of Financial Institutions and Preservation of Customer Identity Data and Transaction Records, financial institutions should take continuous customer identification measures during the business relationship with customers. If the identity certificate or identity certificate previously submitted by the customer has expired, and the customer fails to update it within a reasonable period of time without giving a reasonable reason, the financial institution shall stop handling business for the customer.
"According to the regulatory requirements, the bank is carrying out the verification of personal customer identity information. For customers whose identity documents kept in the bank have expired for more than 90 days and have not been updated, some transactions in their accounts will be suspended." CCB customer service said that account transactions initiated by customers, such as withdrawal, transfer, remittance, consumption and credit card adjustment, will be restricted.
ICBC, Agricultural Bank, Bank of China, Postal Savings Bank and many other bank customers all said that if the documents kept by cardholders in the bank expire for more than 90 days and are not updated in time, some business functions will be restricted, which will generally affect the transaction of bank cards. It is recommended to update in time.
legal ground
Law of the People's Republic of China on Resident Identity Cards
Article 12
The public security organ shall, in accordance with the provisions, apply for the collection, renewal and replacement of resident identity cards. The public security organ shall issue resident identity cards within 60 days from the date when citizens submit the registration form of resident identity cards; In areas with inconvenient transportation, the processing time may be appropriately extended, but the extension time shall not exceed thirty days.
Citizens who urgently need to use their resident identity cards during the application, renewal and replacement of their resident identity cards may apply for temporary resident identity cards, and the public security organs shall handle them in a timely manner in accordance with regulations. The specific measures shall be formulated by the public security department of the State Council. The relevant units and their staff members shall keep confidential the personal information of citizens recorded in the resident identity cards obtained in the course of performing their duties or providing services.