Credit cards with expired ID cards can still be used normally.

After the ID card expires, the credit card can still be repaid normally, because the card will become a state that only accepts and does not pay; however, if the ID information is not updated within a reasonable period, the account will become a state that does not accept or pay. status, repayment will not be possible at that time. In order to avoid overdue penalty interest and impact on personal credit, it is recommended to update your ID card in a timely manner and go to the bank to update the information.

The functions and types of ID cards:

1. Proof of identity: The ID card is a legal document for citizens to prove their identity in daily life;

2. Legal validity: The ID card has legal validity and is an important basis for conducting legal activities and receiving public services;

3. Information record: The ID card records the basic information of the holder, such as name , gender, ethnicity, date of birth, address, etc.;

4. Electronic chip: Modern ID cards are embedded with electronic chips that store the holder’s biometric information;

5 , Type distinction: ID cards are divided into temporary ID cards and permanent population ID cards, which are suitable for different occasions and needs.

To sum up, in order to avoid overdue penalty interest and impact on personal credit, it is recommended to update the ID card in time and go to the bank to update the information, because after the ID card expires, the credit card will become a non-acceptable credit card. payment status, and the certificate information is not updated within a reasonable period, the account will become a no-receipt-no-payment status and repayment will not be possible.

Legal basis:

"Bank Card Business Management Measures"

Article 28

Individuals applying for bank cards (deposit cards) (Except for value cards), the card-issuing bank shall provide the card-issuing bank with a valid identity document specified by the public security department. After the card-issuing bank passes the review, a registered account will be opened for it; any unit that opens a basic deposit account at a financial institution in China shall provide the card-issuing bank with a The account opening license issued by the People's Bank of China is required to apply for a corporate card; the bank card and its account can only be used by the cardholder approved by the card-issuing bank, and may not be rented or lent.