In addition, when repaying, if the user's ID card expires, he may receive a short message from the bank, or pop up a prompt before entering the repayment page, asking the user to update the validity period of the ID card as soon as possible to avoid affecting the subsequent application for other credit business.
What if someone borrows a small loan with my ID card?
1. If the personal identity card is stolen, resulting in a bad credit record, then the parties can appeal on the premise of sufficient basis, and the court will make a ruling. The court finally ruled that the client really belongs to the bad credit record caused by identity card theft, and the bad credit record of the client can finally be eliminated in the bank credit information system.
2. If the parties have no reasonable basis to prove that their bad credit records are caused by identity card theft, then they need to bear the corresponding legal consequences. On the one hand, it is necessary to pay off the arrears, and at the same time, if you want to eliminate bad credit records, you can only overwrite the original credit records with new credit records.
3. The longest retention time of personal bad credit records is five years. The parties shall keep a good credit record within five years from the date of arrears, and after five years, the bad credit record can be eliminated. If necessary, it can be solved through legal channels.
Legal basis:
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 citizens' names change, or the documents are severely damaged and unrecognizable, citizens should apply for new cards; If there is an error in the registration items of the resident identity card, the public security organ shall promptly correct it 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, replacement or replacement of their resident identity cards under any of the circumstances specified in the preceding paragraph. When a citizen goes through the formalities of permanent residence transfer, the public security organ shall record the change of the address of the permanent residence of the citizen in the machine-readable item of the resident ID card and inform it.