1. Updating identity information at the business outlets of issuing banks is the most traditional and common updating channel. Cardholders need to bring new ID cards and bank cards to the business outlets for identity information update services;
2。 Update the identity information of the issuer's online banking. If the online banking has used the identity information update function, the cardholder can update the identity information online according to the online banking prompts.
Generally, you can apply for renewal of your ID card three months in advance. If more than three months in advance, it may not be accepted. The application for renewal of resident identity cards shall be handled at the public security organ where the household registration is located or the resident identity card acceptance point of the public security organ where the residence is located. If you encounter an expired ID card, then everyone must handle it quickly.
Extended data;
What happens if I don't go to the bank to update my information after my ID card expires? What services are not available?
According to the Central Bank's Administrative Measures on Customer Identification and Preservation of Customer Identity Data and Transaction Records of Financial Institutions, if the identity documents or identification documents 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.
As can be seen from the above provisions, financial institutions have the right to suspend business due to the expiration of customer identity documents.
The law is hard, but banks have humanized operations.
First, the bank will notify the customer by SMS before the ID card information expires, and advise him to update the ID card information in time. The notice time of each bank is different, generally 65438+ 0-3 months before the expiration.
Second, if the customer fails to update the ID card information in time, which leads to the expiration of the ID card, then some businesses will be affected.
Generally speaking, this part of the business refers to self-operated, counter, VTM and other businesses that need to input or show ID numbers, including settlement and sale of foreign exchange through independent channels, overseas remittance through independent channels, large cash withdrawal at the counter, transfer and remittance, etc.
Fortunately, not all businesses can't be used, and ordinary withdrawals, deposits, online payments, redemption of wealth management products and loan deductions can still be carried out as usual.
Third, suspend non-counter services. Yes, once the ID card is overdue for a long time, the bank will stop the counter service, usually 3-6 months overdue.
The so-called counter-free service means closing all channels except counters, including mobile banking.
What is the impact of suspending counter service?
Suspension of non-counter business affects business: control measures to restrict the suspension of accounts from actively initiating transfer business (including entry and exit) through non-counter channels such as online bank transfer, intra-card transfer, ATM withdrawal, POS card swiping, fixed investment, transfer plan transfer, inter-bank transfer, fund subscription and redemption, securities deposit demand transfer, UnionPay cash collection and payment, Alipay cash withdrawal, WeChat cash withdrawal and self-service channel payroll payment. ).
Unaffected businesses: interest settlement, dividend distribution, judicial deduction, account management fee deduction, automatic credit card repayment, personal loan approval, withholding, regular automatic payment after signing the agreement (excluding transfer agreement), pre-authorization post-processing (including pre-authorization completion, payment request, etc.). ), bank card organizations such as UnionPay initiated by non-customers through non-counter channels are not restricted.