After the ID card expires, you need to go to the bank to update the information in time.

For accounts that have not updated customer interest for more than one month, control will be taken, and funds will only enter and leave. It will affect the normal use of customer accounts.

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 category

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 suggested to update the information at the outlets with cards and valid identity documents 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.

Changing ID cards generally requires going to the bank to update information. According to the Measures of China People's Bank for the Administration of Customer Identification, Customer Identity Data and Transaction Records of Financial Institutions, if the customer's previously submitted identity certificate or identity certificate 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.

3. If the ID card information is changed, you should go to the bank to update it in time, or you should go to the outlet to update it with a new ID card as soon as possible after receiving a notice from the bank. The ID card information used by citizens when handling bank cards has changed, so they should update the information at the outlets in time to avoid affecting the use of bank cards.

If the ID card expires or is lost, it will be renewed. Although the ID number has not changed, the validity period of the ID card, the photos on it, and even the name and address have changed, which is inconsistent with the information originally left for the bank. Therefore, if you have received a notice from the bank, you should take your new ID card to the outlet to update it as soon as possible.

If you don't receive the notice, but you do change your new ID card, you should consult the customer service staff of the bank in advance to see if you need to update it, in case the card expires and you can't change it, or there are obstacles in using the card under other special circumstances.