Generally speaking, the validity period of CCB magnetic stripe card is 5 years, and the validity period of chip card is 8 years.
Matters needing attention after the expiration of CCB's credit card:
1. Contact the issuing bank one month in advance.
Contact the issuing bank one month in advance and ask for a new card, otherwise the card will not be used when it expires. It also takes time for banks to make and send new cards, so it is best to replace them in advance.
2. Activate the new card in time
The old card can still be used after the credit card expires, and the old card will be invalid after the credit card expires or the new card is activated. Therefore, be sure to activate the new card in time. Cardholders can activate their credit cards through telephone activation, official website activation and online banking activation.
3. Old cards should be cut and destroyed in time.
Old cards may still be stolen. During the insurance period, the old card should be cut and destroyed in time after the new card is activated.
Matters needing attention after handling the card
1. When you receive the issued credit card, you must sign on the back of the card as soon as possible, bring the card, ID card and mobile phone number to the local outlet to activate the card, and call our 24-hour service hotline 400-820-0588 in time to open the card and set the password.
2. The cardholder should store the credit card, password and ID card separately to avoid the loss of the credit card and its fraudulent use by others.
3. Call the 24-hour service hotline 400- 820-0588 in time to report the loss of a credit card.
4. You can't set your own repayment date. Your final repayment date is billing date +20 days, because the interest-free date of CCB credit card is 50 days, and the interest on withdrawal is five ten thousandths, that is, the interest of ten thousand yuan is five yuan per day, but the handling fee for withdrawal is one percent, that is, the handling fee for withdrawal of ten thousand yuan is 100 yuan. It's better to swipe your credit card. It's not cost-effective to withdraw cash.
Conditions for applying for CCB credit card:
1. Among all banks, CCB has the clearest qualification score for credit card applicants. For example, CCB explained the materials needed to apply for a credit card for more than 20 kinds of customers, such as mortgage customers, existing card customers and OEM customers.
2. Applying for a credit card online not only saves the applicant the pain of preparing materials, but also makes it easier to apply for a credit card. The second batch is very common.
3. If the qualification of the card friend unit is not so good, you can also apply for a card by gathering colleagues, which greatly improves the pass rate compared with individual applications.
4. marital status: married and pregnant > married and childless > unmarried. If you are unmarried after 30, the bank will think you are unstable. It is recommended to prepare more asset documents (house/car/bank deposit) when you apply for a card.
5. Home phone number: "Home phone number" should be emphasized. Many applicants don't think it is necessary to fill in the home phone number. In fact, banks set up "residential telephones" mainly to examine the stability of applicants. So, don't ignore this item.
6. Residential address: residential address must be filled in whether it is self-owned housing or rental housing. Like the residential telephone, the bank has set up this project to check your stability.
7. living conditions: _ residential building has no loan > Meng residence _ loan > apartment > renting. If you don't buy a house, you might as well write your address in your hometown. The stay time is also a reference project, which is generally stable for more than one year, and the longer the time, the better.