Credit cards have a validity period, and they can no longer be used normally after the validity period, so every cardholder should know how long their credit cards are valid and when they will expire. Today, I will teach you how to check the validity period of CITIC Credit Card and what to do if the card expires.
I. Inquiring about the validity period of CITIC Credit Card
The validity period of the credit card is embossed on the second line on the front of the card in the form of month/year, indicating that the card can be used until the last day of the corresponding month in the corresponding year. The format is mm /YY. If the validity period of the card is 1 1/22, it means that the card can be used until 1 1.30 in 2022.
2. What should I do if CITIC Credit Card expires?
According to the cardholder's past card use records, if the card requirements are met, the bank will take the initiative to replace the expired card. Need to pay attention to the following points:
1. Within one month before the card expires, the bank will send the updated card to the cardholder's billing address. If the billing address is updated, please call the bank customer service phone in time to update it;
2. In general, the cardholder should receive the updated card within two weeks (the last week) before the card expires. If you have not received the renewal card, please call the bank credit card customer service hotline for details;
3. After receiving the updated card, the old card can still be used until it expires. However, if the updated card is received and activated, the updated card will replace the old card from the moment the card is activated, and the old card will no longer be used.
4. The updated card remains unchanged, and the original functions and services are not affected, so it can be used as usual.
What if CITIC Credit Card becomes invalid?
Question 1: What does CITIC Credit Card 1000020 mean? It should mean 2020 438+00.
Question 2: CITIC Bank's credit card has expired, and now it needs to be replaced. The address has changed. How to change the credit card of CITIC Bank? It will take about one to two weeks to receive the card after calling customer service.
Credit card replacement process:
① Call the credit card center directly and tell them that the credit card needs to be replaced;
2 credit card center to replenish the card;
3 Some bank credit card centers will charge a handling fee, generally in 50 yuan;
(4) The new card can be used after reactivation;
⑤ All accounts and functions of the original card are automatically migrated to the new card.
Question 3: What if CITIC Credit Card suddenly fails? CITIC Credit Card may be degaussed, so you can go to the bank to get a new credit card.
Question 4: Hello, what happened to the cancellation of my CITIC Bank credit card? Didn't your credit card activate after it was processed? If it is not activated, it will be invalid after the activation time.
The validity period of the credit card is indicated on the credit card. XX/XXX represents the number, the first two digits (XX) represent the month and the last two digits (XX) represent the year. For example,12 15 represents 65438+February 215, and the validity period is 20 15.
Furniture: as shown in the figure below.
Question 5: Why did CITIC Credit Card Center void my card for no reason? What should I do? Please ask the customer to ask the customer service of CITIC Bank why the credit card was cancelled. If it really has nothing to do with users, you can ask the bank to make a reasonable explanation to eliminate the adverse effects.
Question 6: CITIC Credit Card is invalid. Can it still be used after repayment? Even if it is paid off, the freeze caused by overdue can't be thawed, so it can only be cancelled, because you have been listed as a prohibited customer by the bank. The bad records of the Credit Information Center of China People's Bank will be deleted after 5 years. In the meantime, it is difficult for you to apply for credit cards and bank loans.
Question 7: What if the validity period of CITIC Credit Card is about to expire? The bank should automatically change the card one month before the card expires. CITIC doesn't know if this is the case. Call customer service and ask them.
Question 8: CITIC Bank's credit card has not been used. Can I reissue it after it expires? Credit cards will have bad credit records when they are overdue, which will be stored in the personal credit reports of Chinese banks. It's no use canceling your card! It will not be updated automatically until five years later.
Question 9: How to repay CITIC Credit Card after it expires? CITIC Credit Card is invalid or replaced with a new card due to expiration, loss reporting, damage, degaussing, gold or platinum card upgrading, etc. You can return the old card or the new card when you repay it ~
Question 10: CITIC Bank's credit card was suddenly blocked. If your credit card is blocked, you must call the customer service department of the issuing bank as soon as possible to find out the reason why the credit card is blocked:
1. If the credit card is overdue or cashed out illegally, it is unlikely that the credit card will be unsealed.
If it is because the bank thinks your credit card is risky, you can ask the bank to reissue a new card for you.
3. The password of 3.CVV will be changed, but it will be associated with the same credit card account to prevent risks.
Reasons for the decrease of credit cards
Reason 1: If the credit card is overdue for more than three periods, the bank will charge interest and late fees to the cardholders who have overdue repayment. When overdue occurs for many times or the overdue amount reaches a certain amount, the bank will think that the cardholder has malicious overdraft consumption behavior, and it is risky to continue to provide revolving credit, and will unilaterally stop using the credit card.
The second reason: the risk of illegally cashing out or raising cards. Many cardholders will use credit cards to cash out when the cash flow is insufficient. In fact, this is also of great concern to banks. The issuing bank will either reduce the credit limit of the cardholder's credit card or suspend the cardholder's credit card use according to the cardholder's specific situation.
Reason 3: There are risks. When the bank thinks that the credit card has been swiped on a risky POS machine, or the system prompts that the credit card has been hacked, for security reasons, it will stop paying the credit card.
Is the expired customer service phone number of CITIC Credit Card useful?
be useful
1 If the validity period of CITIC Bank's credit card expires, the new card can continue to be used, and the card will be automatically invalidated after expiration; 2. If the old card is still unused, you can check the validity period of the credit card of this account. After the card expires, you can call the credit card customer service hotline of CITIC Bank at any time to check the validity period of the card. CITIC Bank will automatically transfer the new card back to the new card after the verification card expires.
Let's stop here for the introduction of what to do when CITIC Credit Card expires.