Hello, the bank has kept records since the card was issued. The inquiry methods are as follows: 1. Call the customer service phone of the bank credit card center (the phone number is on the back of the credit card); 2. On the front of the credit card, there are four numbers below the card number, for example, 5/18, which means that your credit card will be valid for 4 years until May 218 (generally), that is to say, pushing forward for 4 years is the date of card verification (the date of approval).

: 1. Benefits of credit card

1. Increased security and convenience

You should swipe your card as much as possible in daily consumption, so you don't need to carry too much cash, so you won't worry about the danger of carrying too much cash, even if it is stolen or accidentally lost, your losses will be reduced; If the cash is lost, the possibility of getting it back is extremely low, but the credit card is different. First, you can call the bank to report the loss immediately, so that others can't spend it, which is much safer;

2. Help yourself to establish personal credit

Frequent use of credit cards and timely repayment will not only help to raise the amount, but also improve our credit in the bank. Now, with the credit of all kinds of big data, we can imagine how important credit is in the future. With a good credit record, it will be relatively easy to get loans such as car loans and mortgage loans.

3. Convenient on-site and online payment

If the credit card is marked with "VISA" and "MasterCard", you can spend it directly abroad without changing the currency; Now whether it's paying the phone bill or electricity bill; Buying air tickets, train tickets, booking hotels, etc. can be paid directly by credit card

2. Disadvantages of credit card

1. Blind consumption

Credit card is not like paying cash. You spend money one by one. I don't feel anything after brushing. A few figures lead to blind consumption and spend money like water.

2. Overconsumption

Notebook installment, digital camera installment and smart phone installment. While enjoying your favorite items in advance, you should also consider whether you can repay them.

3. High interest

If you can't take care of your credit card and repay it on time when the final repayment date comes, the bank will charge you high interest. 4. Need an annual fee < P > Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can avoid it by brushing it three times a year; However, if the number of card swipes does not reach the number stipulated by the bank within one year, an annual fee will be charged.