How many years is the ICBC credit card valid for? What should I do when the validity period expires?

ICBC has always been one of the banks that people love very much. It is also known as the "first bank in the universe". Many people have applied for ICBC credit cards and will use ICBC credit cards in their daily lives. However, credit cards always have a useful life. So, how many years is the validity period of ICBC credit card? What should I do when the validity period expires?

How many years is the validity period of an ICBC credit card?

The validity period of ICBC credit cards is generally 5 years, but ICBC also has some chip cards with validity periods of up to 8 years. In fact, you can see the expiration date directly on the card of your ICBC credit card.

Generally, there will be a string of numbers displayed in mm/yy format at the bottom of Issue year.

What should I do if my ICBC credit card is expired?

Generally, ICBC will send a notice of automatic card replacement to customers one month before the expiration date of their credit card. If you want to continue using it, you can call ICBC’s customer service hotline 95588 or go to the designated Go to the business outlet to verify the information and handle the related business of replacing the new card according to the specific situation.

If you no longer use it, you also need to explain to the bank. You can call the bank to inform the bank that you will no longer use it. Of course, if you have a balance in your card, you must pay off the balance first. Go and cancel the card.

The above is the answer to "How many years is the validity period of an ICBC credit card? What should I do when the validity period is up?" The validity period of ICBC credit cards is generally 5 years, but there are also some cards with particularly long validity periods, up to 8 years. If the validity period is about to expire and you still want to continue using it, you need to go to a designated outlet to replace it with a new card, and you must inform the bank if you no longer use it.

The validity period of ICBC credit card has expired, what should I do?

If your credit card will expire within 1 month, please make an appointment to replace the card upon expiration. You can make an appointment to replace the card on expiry via mobile banking Credit Card - Basic Settings - Expiration. If your credit card has expired, please call 95588 to apply for a card replacement through credit card manual service. The validity period of the new card will be extended from the date of acceptance.

Warm reminder:

1. Dual-logo credit cards (except American Express Centurion, Group Card, and Commercial Card) must bring their valid ID and credit card to the business outlet where the card is issued to change it to 11 Credit cards;

2. Expired and unactivated cards cannot be replaced, please reapply for a new card;

3. Please activate the card in time after receiving it.

(Answer time: June 1, 2021. In case of business changes, please refer to the actual situation.)

What should I do if my ICBC credit card expires?

Generally, when an ICBC credit card expires, it depends on the region. In some places, the bank will notify you in advance to change the card or to pick up the card. In some places, you need to take the initiative to change the card. If you want to change the card, you can just call and choose an outlet to change the card. Pick.

You can call the credit card manual service at 95588-2-2 and ask if your card replacement business is accepted (you must call in person. If he is not sure, you can ask him to turn on the speakerphone while you listen. ), if there is but there is no progress for a long time, you can ask them to register a business inquiry to help you check. It is recommended that you wait patiently;

Or if it is convenient, go directly to the card department in the local city Check if there is a new card or directly report the loss and pick up the new card five working days later (but it will be changed).

If you want to continue using it, just go to the bank with your ID card to apply for a card replacement.

If you no longer want to use it, as long as there is no balance in the card, you can go to the bank counter with your ID card and fill out a form to cancel.

What should I do if my ICBC credit card is overdue

ICBC’s debt offset for long-term overdue credit cards means that if the account is closed due to long-term overdue, interest will be accrued from the write-off date to the actual repayment date. Please bring your card and valid ID to the The card issuer checks the exact amount owed, repays the owed amount through deposit or transfer, and handles follow-up business.

In addition, inquiries about the repayment amount and follow-up business need to be handled by the card issuer. Only the repayment operation can be handled at any business outlet in this place through the original write-off.

1. When the account cancellation method is "bad debt write-off", you can go to the card issuer with your card and ID to check the exact amount, and then you can use the original write-off at any business outlet in this place by deposit or Repay the debt by transfer.

2. When the account cancellation method is "transfer of bad debts to temporary collection and cancellation", you can go to the card issuer with your card and ID to check whether there is any cash deposit to be withdrawn. If you indicate that your credit card is overdue, please repay it as soon as possible. If your payment is overdue for a long time, it is recommended that you contact the local ICBC credit card issuer for specific consultation.

According to the credit card application contract, the credit card applicant shall repay the debt within the specified repayment period and agrees that the ICBC card issuer may, on its own or by entrusting a third party, communicate through letters, text messages, emails, phone calls, Collect debts through door-to-door, public notice or judicial channels. If the debt cannot be paid off after collection, the ICBC card issuer may choose to take or take the following measures at the same time: stop using the card (except for electronic cash transactions); stop the use of all Peony Credit Cards by the credit card applicant (except for electronic cash transactions); exercise Pledge; directly deducted from any account opened by the credit card applicant at any branch of the Industrial and Commercial Bank of China.

The following is a detailed introduction to ICBC's debt mortgage:

1. Debt offset means that the debtor and the creditor are mutually liable for debts. Within the scope of mutual debts, the corresponding debts are offset. Debt.

2. "The bank automatically deducts the money and offsets the debt" means that if the counterparty owes the bank money that has not been repaid when due, the bank has the right to deduct the corresponding amount from the counterparty's account with the bank. Deposits (from the perspective of the counterparty, deposits are claims against the bank) to offset its debt to the bank.

Article 99: If the parties are mutually liable for due debts, and the subject matter of the debts is of the same type and quality, either party may offset its own debts against the debts of the other party, but in accordance with legal provisions or in accordance with Exceptions may be made where the nature of the contract does not allow for offset.

If a party claims set-off, it shall notify the other party. The notification takes effect when it reaches the other party. Offset may not be subject to conditions or time limits.

This is the end of the introduction on what to do if the industrial and commercial credit card expires and what to do if the industrial and commercial card expires. Have you found the information you need?