How to check the expiry date of a credit card (credit card)? What should I do if it expires?

Credit cards (debit cards) have become close to people’s daily lives. Many people are using credit cards (debit cards), but many useful and basic information about credit cards (debit cards) have been forgotten by everyone. .

For example, the difference between a credit card (credit card) and a debit card is that it has a period of use. Before the period of use expires, in order to swipe and use the card normally, it needs to be replaced by the card issuer.

So why does a credit card (debit card) have an expiration date? What should I do if it expires? After your credit card (debit card) expires, these steps are critical and can help you reduce a lot of trouble.

01

How to check the expiration date of a credit card (credit card).

Once the validity period of a credit card (credit card) expires, you cannot use the card to make purchases, and the card must be sent back to the bank, otherwise you will have to pay an annual credit card (credit card) fee every year. It is not difficult to check the validity period of a credit card (debit card). One way is to look at the paper in the credit card (debit card) mail sent by the bank to you. It has your bill date, repayment date and credit card (debit card) marked on it. term, and the specific expiry date.

Another way is to find a number with "/" on the face of a credit card (credit card), such as 05/23. The number after this number represents the year and the one in front represents the month, because credit cards (credit cards) Card) is imported from abroad, and the markings are also in accordance with foreign conventions. So 05/23 means that the expiration date of credit cards (credit cards) is in May 2023. Generally speaking, the expiration dates of credit cards (credit cards) issued by major banks in my country are 3 to 5 years. , if you want to know the specific date, you can call the bank staff or go to the bank counter for consultation.

First: Adjust the credit card (credit card) limit.

Everyone knows that increasing the limit of a credit card (debit card) does not happen overnight. In many cases, you need to apply to the bank. Some people will not do it if they find it troublesome. After the credit card (credit card) expires, the bank will reissue the card to you. At this time, it will make a new limit adjustment based on your past consumption records, current financial capabilities, and personal credit information. As long as you don't use your credit card (debit card) maliciously, such as overdue fees, the bank will usually increase your limit and upgrade the card. After you see the cool card, you will be happy and have the desire to spend, and the bank will be happy too.

Second: Improve the security of credit cards (debit cards).

When using a credit card (credit card), if you are not careful, it can easily cause the credit card (debit card) to be stolen. However, when the credit card (credit card) is swiped on the POS machine and bound to the credit card (credit card) software, it needs to be verified for a limited period, further verifying the security. Moreover, after the limited period expires, consumption will be refused, which can prevent card thieves from continuing to act recklessly. In addition, after a credit card (debit card) is used for a long time, the magnetic strip and other related information will be worn out, and the functions are not advanced. After replacement, the use functions of the credit card (debit card) can be increased, which can facilitate the cardholder's use. Daily consumption.

02

What to do after the credit card (credit card) expires.

Generally speaking, when your credit card (debit card) is about to expire, bank staff will proactively contact you and ask you to change it to a new card. However, it takes time for the bank to readjust the limit, make the card, and send the card back, so it is best for you to contact the card issuer one month in advance and request a replacement card. This is better for cardholders who change jobs or home addresses, and allows the bank to clearly know the cardholder's receiving address. This is crucial as the bank will not cause errors and will not affect the normal use of the card.

During the period between the expiration of the credit card (credit card) and the replacement of the new card, the old card can still be used, but there are still risks. Do not disclose all the card information during the insurance period.

After getting the new card, you can choose to activate it by phone, online banking, etc. After activation, the old card can no longer be used. It is best to cut the magnetic stripe of the old card. The last thing to note is that the credit card (debit card) will be automatically canceled after it expires, but it will only automatically cancel the card and not automatically cancel the account. This means that the card will automatically become unusable, but the account you applied to open at the bank It's still there. If you want to cancel, you need to apply for it yourself.

Protecting all credit card (credit card) information is the safest way to use the card. It is best not to disclose card-related information when using a credit card (credit card) to ensure your own safety. property security. At the same time, although credit cards (debit cards) can make you happy with sales, you must also consume rationally, repay on time, and do not overdue!

What to do if your credit card expires

Apply to the bank to replace or cancel the card.

1. If the cardholder wants to continue using the card, he or she can apply to the bank to change the card. If the card type used by the cardholder is still issued by the bank, a card of the same type as the old card will be mailed; if the card bank no longer issues the card, a similar type of card will be mailed after consultation with the cardholder.

The cardholder will reactivate it after getting the card, and the original rights and limits of the card will remain unchanged.

If the cardholder needs a higher amount, he or she can apply to the card-issuing bank when changing the card, and the card-issuing bank will decide whether to increase the amount based on previous records and credit information.

2. If the cardholder does not want to continue using it, please be sure to apply for cancellation. Although the card has expired, the credit account of the cardholder is actually still there, and the contract between the cardholder and the bank is still there, so the annual fee due for the credit card will still be incurred as usual;

If not By using or canceling the credit card, the credit card may be overdrawn secretly, causing a bad record for the cardholder.

3. If the cardholder has not yet decided whether to continue using the card, he or she can call the customer service hotline to notify the card-issuing bank. The card-issuing bank will retain the card rights for a certain period of time. If the cardholder needs to continue using the card in the future, he or she can apply to the card-issuing bank to change the card.

Extended information:

1. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when purchasing, and you will have to wait until the bill date to repay the bill.

2. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; a quasi-credit card refers to a cardholder who deposits a certain amount of petty cash in accordance with regulations and pays when the petty cash account balance is insufficient. A quasi-credit card that can be overdrafted within a specified credit limit. Credit card generally refers to a credit card.

3. Starting from January 1, 2021, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rate will be cancelled. (The original upper limit is 5‰ of the daily interest rate, and the lower limit is the daily interest rate. 0.7 times of 5‰).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”

Can I still use a credit card after its expiration date?

A credit card cannot be used after its expiration date. You need to change the card to continue using it, otherwise the original card cannot be used.

1. The validity period of a credit card is generally three years;

2. After the three-year period, the bank’s credit card center will evaluate the credit situation;

3. If you have good usage habits , if you repay the loan on time, you will be given an extended period of use;

4. If you extend the use, a new card will be sent, which needs to be activated after it arrives;

5. The new card will completely inherit the original card ;

6. If you have bad credit and do not repay on time, the extension will not be continued.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit card is a non-cash payment method and a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments. Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.

Credit cards are issued by commercial banks to individuals and organizations. They can use them to shop and consume with specially appointed organizations and deposit and withdraw cash from banks. They are special carrier cards with consumer credit. They are in the form of a card with the card issuing number printed on the front. Cards with bank name, validity period, number, cardholder name, etc., and a magnetic stripe and signature strip on the back.

A real credit card has the following characteristics: it is not encouraged to deposit cash in advance, consume first and repay later, enjoys an interest-free payment period, can repay in installments independently (with a minimum repayment amount), join VISA, MASTER Wait for international credit card organizations to make it universally applicable.

Credit card holders should pay attention when using their cards. When swiping their credit cards for consumption, they should also pay attention to the time and place of consumption. If you spend a large amount of money late at night or early in the morning, it is easy to receive a notice of credit reduction or card closure from a commercial bank. Credit card transactions in real estate, public welfare, education, building materials and other categories are affected by national policies. A special reminder that real estate credit card consumption will be restricted.

Credit card holders need to note that credit cards can usually only be used in daily consumption places such as shopping, travel, restaurants, and shopping malls. Under the management of banks, credit cards also have consumption restrictions, and credit cards cannot be used everywhere. After using a credit card to make purchases, cardholders need to repay in full and on time. If they are unable to repay, they can apply for a minimum repayment.

What to do after the expiration of the CCB credit card's useful life

The bank will actively apply for a new card for the user. If the card has been activated, it will actively renew it 2 months before the card expires. New card (except if the card status is abnormal).

If the card has not been activated, please activate the card as soon as possible 2 months before the card expires. Otherwise, the bank will think that the user no longer needs the credit card and will not provide card replacement services.

China Construction Bank was established on October 1, 1954. The head office is located at No. 25 Financial Street, Beijing. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life insurance, financial services, etc. subsidiaries in various industries such as insurance, investment banking, futures, and pension funds.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country. On June 30, 2016, the British "Banker" magazine released the "Ranking of the World's 1,000 Largest Banks", and China Construction Bank ranked second.

In December 2018, the "Top 500 World Brands 2018" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. In July 2019, it was selected into the 2019 Fortune Global 500. Ranked 40th on the list of the top 100 Chinese enterprises under the "One Belt, One Road" initiative. In December 2019, China Construction Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony.

On December 18, 2019, the People’s Daily released the China Brand Development Index 100 list, with China Construction Bank ranking 25th. On January 4, 2020, it won the "Sustainable Development Benefit Award" of the 2020 "Finance" Evergreen Award. In March 2020, it was selected as the 13th among the top 500 global brands in 2020.

After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and equity of the former China Construction Bank.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country and has more than 13,600 branches. .

After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further diversify equity and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance improvement, and strive to build China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good services and benefits.

What to do when the credit card is expired?

1. If the customer wants to use the credit card again: You can directly call the issuing bank and apply for credit card renewal. , if the user's choice remains unchanged, the bank will mail the same credit card;

2. If the customer no longer wants to use the credit card: he can apply to the card-issuing bank for cancellation, and the bank will not issue a new credit card after review . If the user does not want to cause inconvenience in the future, he must settle the credit card balance and apply for account cancellation before the credit card expires.

The above is the relevant content about what to do when the credit card term expires.

Can I still use my credit card after it expires?

Credit cards have corresponding expiration dates, and they cannot be used after they expire. If the user wants to continue using the credit card, the user can apply for a credit card from the bank through the customer service phone or go directly to the business outlet and then continue to use it. However, changing a credit card does not mean that the credit card limit will be adjusted. If the user frequently uses the credit card and maintains a good repayment record, he or she can actively apply to the bank for a limit increase after half a year of use. This article mainly writes about the relevant knowledge points about what to do when the credit card term expires. The content is for reference only.

After the expiration date on the credit card has expired! Can I still use it?

Generally, a credit card cannot be used once it expires.

When your credit card expires, you'll need to replace it to continue using it. Many banks will send text messages before the debit card expires to notify the cardholder to go to the bank branch to replace the card in time.

Cardholders only need to bring their valid ID and debit card to the bank branch to apply for card replacement. Banks generally issue new cards to credit card users before the credit card expires, and the cardholder can use the new card directly.

Generally, a credit card cannot be used once it expires. When your credit card expires, you'll need to replace it to continue using it. Many banks will send text messages before the debit card expires to notify the cardholder to go to the bank branch to replace the card in time. Cardholders only need to bring their valid ID and debit card to a bank branch to apply for card replacement. Banks generally issue new cards to credit card users before the credit card expires, and the cardholder can use the new card directly.

But there is another situation, whether you can continue to use the credit card after it expires. There are several situations, mainly depending on the type of card. Generally speaking, debit cards do not expire. If you find that it cannot be used normally, the card may be demagnetized or the ID card information may have expired. For demagnetization, you need to contact the bank to apply for a replacement card.

Another situation is a financial IC savings card, that is, a chip card. The chip generally has a validity period, and the validity period is generally 10 years. After expiration, the savings card cannot be used normally.

Credit cards have a term limit, usually 3 years. If a credit card is about to expire, the bank will contact us and mail us a new card.

If you have not received the relevant reminder within 20 days after the expiration of the current month, you can call its service hotline and choose manual inquiry and apply for a new card. The credit card can still be used after it expires, because the credit card is not demagnetized, so if it expires, we need to process the new card after it is activated or destroy the old card.

Why do credit cards need to have an expiration date?

1. From a physical perspective, as a payment medium, physical cards are used frequently and will suffer losses after being used for a long time. This needs to be set Reasonable validity period to avoid card wear and tear affecting use.

2. Bank review. Cardholders' financial situations are constantly changing.

Whether it is a credit card or a wealth management card, after expiration, the bank needs to re-evaluate whether to continue to issue bank cards.

3. Reduce or avoid risks. The cardholder forgets to report the loss after reporting the loss of his credit card; the cardholder maliciously overdrafts for a long time; the card is used fraudulently after the cardholder dies.

That’s it for the introduction of what to do when the credit card expires.