My ID card is about to expire. I would like to ask if the credit card with expired ID card can still be used?

It can be used normally. The expiration of the ID card will not affect the use of the credit card, but the debit card will be affected by the expiration of the ID card. It is best to go to the police station where your household registration is located in advance to get a new certificate. After updating the certificate, go to the bank to change the information. Everyone's ID card has an expiration date, and the validity period is different depending on the age. The validity period is ten years, twenty years, or long-term.

After the validity period, the public security agency will cancel the ID card information. After that, whether you stay in a hotel, go on a business trip, or handle business at a bank, it will be affected.

How long does it take for a credit card to be suspended after an ID card expires?

The card will not be suspended in the short term. Each bank has different regulations on the expiration of the ID card. The details are as follows:

1. Shanghai Pudong Development Bank: Starting from July 26, 2018, for customers whose identity documents have expired for more than 90 days, the non-counter services for their accounts will be suspended. For customers whose identity documents have expired for more than 90 days before this, the non-counter services will be suspended. Services will also be gradually suspended in batches; non-counter services refer to transactions handled through self-service channels such as online banking, mobile banking, POS, ATM, and VTM.

2. China Everbright Bank: After the user’s ID card information expires, the scope of banking business restrictions includes but is not limited to new business signings, account withdrawals (withdrawals, transfers, financial management, fund purchases) and other dynamic account transactions; In addition to non-counter services such as ATM, POS, mobile banking, and online banking, some banks have suspended over-the-counter withdrawals and transfer transactions for customers whose identity documents have expired for three months and have not been updated.

The businesses that will not be affected in the short term after the bank reservation information expires are: deposits and remittances, ordinary withdrawals, bank self-service transfers, online payments, card consumption, online banking and mobile banking login; it will affect The businesses include: self-service operations that require input of ID number and businesses such as counters and VTMs that require the presentation of ID cards.

Take ICBC as an example. The validity period of the certificate retained by ICBC has expired. Users can update the certificate through the following methods:

1. Through mobile banking "My-Settings-Certificates" Use the "Validity Period Maintenance" column to update the certificate in real time;

2. Through the smart teller machine, select the "Account Management-ID Card Validity Period Update" column, insert the card according to the page prompts, enter the password, and then insert the ID card to update in real time. The validity period of the certificate;

3. Apply through the ID card swiping machine, which will be updated in real time after the application is successful;

4. The user can bring the newly applied ID card to any business outlet for application , after successful processing, real-time updates will be displayed on the telephone, online banking and mobile banking channels.

What to do with your credit card if your ID card expires

After your ID card expires, you need to go to the bank to update the information in time. Accounts that have not updated customer interest rates for more than a month will be controlled and funds will only come in but not go out. It will affect the normal use of customer accounts.

The validity period of the identity document expired. After applying for a new identity card, the new identity card information was not updated to the bank in time. According to the "Measures for the Administration of Customer Identification and Preservation of Customer Identity Information and Transaction Records of Financial Institutions", if the identity document or identity document previously submitted by the customer has expired, and the customer fails to update it within a reasonable period and fails to provide a reasonable reason, the financial institution shall Transactions for customers should be suspended.

In fact, bank cards and ID cards are two things that do not conflict with each other. However, if you hold an expired ID card, you cannot apply for a bank card. It is even more impossible to apply for a new credit card, so for For old users who have applied for a credit card, can the credit card still be used after the ID card has expired? The following banks will have corresponding impacts, so be sure to pay attention.

1. Credit card type

If banks such as China Merchants Bank, Bank of Communications, Minsheng, Industrial Bank, Ping An, Citigroup, HSBC, etc. require updated information, you can fax copies of the front and back of your ID card. , take a photo and send it by email or mail the information to the bank's credit card center, and indicate the "validity period for renewal of ID card". If you don't mind the trouble, you can bring these information to the outlet to update them yourself.

In addition, some banks such as Guangfa, Ping An Securities, and Minsheng can change it directly in the app.

There are also credit cards from the four major banks, China Guangfa, China Post, and Everbright. As long as

the cardholder’s ID number remains unchanged, the credit card-related content does not need to be updated.

2. Debit cards

For banks such as Agricultural Bank of China, China Construction Bank, and China Post, as long as the ID card does not change, the system will automatically update it. If the number changes, it is best to go to the bank branch to handle it in person.

The expiration of all-in-one card account opening certificates from Bank of Communications, China Merchants Bank and other banks will not affect all-in-one card payments, transfers, remittances, withdrawals and other businesses that require entering the ID number may not be processed. It is recommended to update your information at the branch as soon as possible with your card and valid ID.

It is recommended that people with ICBC debit cards go to branches to update the relevant information to prevent card usage problems when the card expires and cannot be replaced or other special circumstances arise.

Does the expiration of the ID card affect the use of credit cards

Credit cards with expired ID cards cannot be used. If the ID information retained in the bank has expired, then due to regulatory requirements and the cardholder's For account security reasons, the bank will not allow you to use your credit card for overdraft consumption before you update the valid information on your ID card, and you will not be able to exchange various rights and interests through your credit card.

Apply for a credit card:

Application

In most cases, those with full capacity for civil conduct (citizens over 18 years old in mainland China), have certain Citizens with direct financial resources can apply for a credit card from the card issuing bank.

Sometimes, legal persons can also serve as applicants.

Applicants for credit cards can be divided into units and individuals.

Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness.

The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits in different banks, different types of credit cards, and some banks may even approve it, but Some banks may refuse to issue it.

Card Issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

This is the end of the introduction about credit cards with expired ID cards and can credit cards with expired ID cards be used normally? Have you found the information you need?