Do bank cards have an expiry date? The answer is that there is indeed a validity period, and the validity period of ordinary savings cards is usually set at 30 years. However, if the card does not expire within the validity period, it can usually be automatically renewed, and there have been no instances of savings cards expiring. Some debit cards that have not been used for a long time may become dormant cards and need to be activated at the bank counter before they can continue to be used. For debit cards, if there are insufficient funds in the card to pay the annual fee, the bank may automatically cancel the card after a period of time. If there is no balance in the card and the electronic payment function is not activated, then this type of debit card may face the fate of being cancelled.

About the classification of bank cards, they are mainly divided into debit cards and credit cards. Debit cards include debit cards, special cards and stored-value cards, which do not allow overdrafts. Debit cards are fully functional, while specialized cards and stored-value cards have specific usage restrictions. Credit cards are divided into credit cards and quasi-credit cards. Credit cards can enjoy an interest-free period after spending within the credit limit, but you need to pay an annual fee; quasi-credit cards allow overdrafts when the deposit is insufficient, but there is no interest-free period and you need to bear interest charges.

In general, although savings and debit cards have potential expiration or automatic cancellation risks, as long as they are used normally, you will usually not encounter problems. As for credit cards, pay attention to timely repayment and activate electronic payment functions to avoid unnecessary troubles.