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Can I apply for an ID card if my credit card is in arrears?
Getting an ID card has nothing to do with credit card arrears. You can apply for an ID card if you meet the requirements.

Law of the People's Republic of China on Resident Identity Cards

Article 11 If the State decides to issue a new generation of resident identity cards, the validity period of the resident identity cards expires, the names of citizens change or the documents are seriously damaged and unrecognizable, citizens shall apply for new cards; If there are errors in the registration of resident identity cards, the public security organ shall promptly correct them and issue a new card; When you get a new card, you must return the original card. If a resident identity card is lost, it shall apply for a replacement.

Citizens under the age of 16 may apply for renewal, renewal or replacement of their resident identity cards under any of the circumstances listed in the preceding paragraph.