Credit cards cannot be cancelled automatically. Once the credit card expires, the cardholder does not want to continue to use it. He needs to take his ID card and card to the credit card center of the bank where the account is opened to cancel the account.
Otherwise the annual fee will be deducted automatically. If you use a credit card to handle telephone banking and online banking, you need to cancel the telephone banking and online banking before you can handle the card withdrawal business.
Extended data:
First, the validity period of the credit card.
The cardholder's name and expiration date are printed on the front of the credit card, as shown in the following figure:
Second, the validity period of credit cards is set for the following reasons:
(1) Replace the latest card.
The bank ensures that your card is the most advanced by letting you change it, no matter from the use function or security, such as changing a magnetic stripe card for a chip card.
(2) Prevent credit card fraud
When a cardholder uses a credit card, merchants and card issuers need to verify that your credit card is valid. This verification is achieved by swiping the card on the POS and then authorizing it in real time. It is easier for credit card fraudsters to obtain the card number than the validity period, and cards without the validity period will be refused to spend.
(3) One-step authentication
When purchasing credit cards online or by telephone, the validity period is another means of verification besides the card number, name, security code and password.
3. How long is the validity of the bank credit card?
ICBC: 3 years
Bank of China: 3 years
Agricultural Bank of China: 3 years, 5 years and 8 years (depending on the card type)
China Construction Bank: 5 years for magnetic stripe card and 8 years for chip card.
Bank of Communications: 5 years
China Merchants Bank: 3 years
Guangfa Bank: 3 years
China CITIC Bank: 3 -5 years (depending on the card type)
Industrial Bank: 5 years
Minsheng Bank: 3 -5 years (depending on the card type)
Citibank: 3 years
Four. Matters needing attention in changing credit cards when they expire.
1, 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.
2. 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.
5. The credit card of China Merchants Bank expires.
1. China Merchants Bank credit card is valid for three years. About one month before the expiration, China Merchants Bank will remind cardholders to change their credit cards by SMS or email, and ask them to confirm the delivery address.
2. After the delivery address is confirmed, China Merchants Bank will send your credit card by registered mail. At the same time, China Merchants Bank Credit Card Center will inform the code of the registered letter by SMS, and the cardholder can check the status of the letter in official website Post Bar.
China everbright bank official website-help center
Baidu Encyclopedia-Validity Period