Can the industrial and commercial bank card be used normally after it has expired?

The business can still be used normally, and the expiration of the bank card will only affect the use of the card, such as withdrawing money from the ATM or transferring money at the counter. Before the expiration, you will receive a short message from the bank to remind you to change the new card service at the local ICBC outlet. Please change your card in time, so as not to affect your life needs.

1. But if you have a debit card and a credit card, the debit card has no fixed number of years, and the credit card has a fixed number of years, and the fixed number of years has been written on the bottom of the card. But if you don't cancel your card after it expires, the bank will reissue it for you according to your credit limit, or they will call you in advance to apply for a new card.

Although the bank card has expired, the bank will not cancel your card voluntarily, because there is still money in your card, and they have no reason to cancel it. However, if your card has no balance, the arrears are due to the deduction of annual fees or account management fees, which may be automatically cancelled after one and a half years. If the card expires, you can only go to the place where you applied. If you are out of town, they don't accept it, but some banks can still do it.

In fact, there are two kinds of bank cards, one is savings card and the other is credit card. Although both cards are valid, the savings card will not expire as long as your card is not degaussed. However, credit cards will expire. Credit cards are usually three years. If it has expired, the bank may also take the initiative to mail you a new card.

Apply for a bank card

The process of applying for a credit card and a debit card is different. When applying for a credit card, you need to bring your valid certificate (ID card or ID card copy or household registration book or household registration book copy), residence certificate, unit income certificate or personal assets certificate and other materials, and go through the relevant formalities at the bank counter. You need to fill out an application form, in which the information requested is true. After filling out the application form, you should go to the head office of the bank for the record. It will take about 20 working days to issue cards to customers after the head office of the bank examines the application materials. Credit cards are only available to customers aged 18 or above. Minors are not allowed to apply for credit cards.

5. It is relatively simple to apply for a debit card. You only need to bring your valid certificate (ID card or household registration book) and fill in the application form at the bank where you open the account, then you can issue the card to the applicant. There is no age limit for applying for a debit card, and minors can also apply. When a customer under the age of 16 applies for a debit card, the guardian shall go to the counter of the bank branch with the household registration book (if it is not on the same household registration book, relevant certificates shall be provided), and the person to be handled may not be present; Minors who have reached the age of 16 but under the age of 18, who have joined the work, can apply for debit cards at the bank counter by themselves with their work certificates and ID cards. If you don't take part in the work, you still need the assistance of your guardian, and the person being treated may not be present; Managers who have reached the age of 18 can apply for debit cards directly at the counter of bank outlets or at the all-in-one card self-service card machine with their ID cards, and can collect them immediately. According to national regulations, debit cards handled by minors do not have online banking function and cannot be bound with mobile payment software.

Bank card loss reporting

6. The reporting procedures of major banks are not exactly the same. If you lose it, you can report it temporarily by telephone or online banking, and then bring your ID card and other supporting materials to the bank counter to report it.