Credit cards are usually valid for 3-5 years. Once the credit card expires, you can't pay by credit card under any circumstances. After the expiration, the bank will freeze the credit card account and cannot continue to use it. If you want to continue to use your credit card, please contact the bank as soon as possible to apply for a new card, and ensure that the account meets the latest regulations and requirements of the bank. If you don't intend to continue to use the credit card, it is recommended to close the account in time and ensure that the operation is carried out in accordance with the regulations of the bank.

It should be noted that the validity period of credit cards of different banks may be different. Please read the relevant information carefully when applying for a new card.

How many years is the validity period of credit card prosecution?

Three years. According to relevant laws and regulations, the limitation of action for credit card arrears is generally three years, counting from the day when the obligee knows or should know that his rights have been infringed. However, if it is interrupted, the limitation of action will start again.

The circumstances of interrupting the limitation of action include: the creditor asks the debtor to perform, and the debtor agrees to perform; The obligee brings a lawsuit or applies for arbitration; Or other circumstances that have the same effect as bringing a lawsuit or applying for arbitration.

This means that if the obligee takes actions within the limitation period, such as asking the obligor to perform and obtain consent, or bringing a lawsuit or applying for arbitration, the limitation period will be interrupted and recalculated. This interruption can give the obligee more time to pursue the arrears or settle the dispute.