Credit cards have an expiration date, which is the expiration date. Generally, after the expiration date, the card can't be used unless the bank issues you a new card, which can be used as usual after reactivation. So, what should I do after the credit card expires? Let's introduce it to everyone.

Friends who have used credit cards know that there are generally four numbers under the account number on the front of the card, and the two numbers are separated by "/". There will be a row of small words on the number: month/year, which is the validity period of the credit card.

The first number represents the month when you applied for the card, and the last two numbers represent the year when it expires. For example, 05/20 means it is valid until May 2020.

Most credit cards are valid for 3 -5 years. As for the specific time, it can be calculated by subtracting the application year from the last two digits on the card surface.

Suppose you apply for a credit card in June 20 16, and the number on the card is 10 (number of months) /2 1 (number of years), then the validity period is =202 1-20 16=5 years.

So, what if the credit card expires?

Once the credit card expires, this card can no longer be used and needs to be replaced with a new one. But generally, one month before the credit card expires, the bank will take the initiative to issue a new card to the customer. However, it should be noted that if you don't want to continue using the card, you can call the issuing bank one month before the card expires and ask not to replace the new card, but you must pay off all the debts of the credit card.

If you want to continue to use the card, but your mailing address has changed, in order to receive a new card from the bank, you can call the card issuer one month in advance to change the mailing address of the credit card, or update the mailing address on the credit card official website yourself.

In addition, if you don't receive the new card as scheduled, you should contact the bank in time to inquire about the relevant information and ask the bank to reissue the card and send it. After receiving the new card, the cardholder should call customer service to open the card. With the new card coming into effect, the original card will be invalid.

How to solve the credit card expiration?

When the credit card expires, it can be replaced directly. Users can activate the new card after they get it, and the original card will be invalid. You need to reset the credit card transaction password and inquiry password when activating. The new card inherits the transaction records of the old card, and the repayment date and billing date will not change.

In fact, before the credit card expires, the bank will take the initiative to contact the cardholder and tell him about the card replacement. If the cardholder's original registered address changes, you can tell the bank the new address, and the bank will mail the new card to the user after verifying some information.

The average user can get a new card in about 15 days, and the time in remote areas may be extended. When replacing a new card, you can ask the bank to increase the new card quota, but when upgrading, the bank will check the user's previous consumption records, and if it meets the bank's requirements, it will increase the quota.

If the user doesn't want to continue using the credit card after it expires, the user can pay off all the debts in the credit card and then confirm that there will be no annual fee. At this time, the user can stop using the credit card, which will automatically expire after it expires.

For more information about how to deal with credit cards after they expire, please visit: See More.

How to deal with expired credit cards?

1. What if the credit card expires?

1. The credit card has expired and cannot be used. You can apply to the bank for renewal.

2. The credit card cannot be used after it expires. Usually, the bank will send a notice to the cardholder to renew the card about two months before the expiration. If the cardholder does not apply to terminate the card, the bank will agree to renew the card by default, and make a new card and mail it to the billing address one month before the card expires.

3. After getting a new card, the old card can be used until its validity period, but if the new card is activated, it will be invalid immediately. The new card carries the accounting information of the old card. In addition to the expiration date and security code will change, credit cards are still used before.

Second, what should I do if my credit card is overdue?

1. Pay off the arrears in full. The longer the overdue period, the more penalty interest will be generated, and legal liability will be borne if it exceeds three months.

2. The phone of the bank must be answered. If you don't answer the phone, the bank will think that it is deliberately overdue, maybe it will run away, and it will be regarded as a malicious overdraft.

3. Continue to use the credit card and repay on time. Personal credit information with overdue records shall be kept for five years. In the meantime, you need a health card to wash away the stains. Good card use behavior will slowly cover up your overdue record.

3. How long can overdue records of personal credit information be eliminated?

1. If you have any objection, you can apply to the central bank for cancellation of the wrong record. If the information entered in the personal credit report is incorrect, you can go to the local central bank to apply for cancellation, which can generally be solved within ten working days after the application is accepted;

2. The second option is to wait for the bad records to be automatically eliminated. If you have a bad record of personal credit investigation caused by overdue credit card before, you will pay off the debt after five years, and the bad record will be automatically eliminated. There are two types of overdue credit records. If the credit card is overdue, its overdue record will be kept for two years or more.

3. If it is a bad credit report, it will not be eliminated within five years. It is stipulated that the banking system should update the personal credit information database once a month, generally not exceeding the interval of two months. The information that can be found in personal credit records is 1 2 months ago. If there are overdue records, the query time of credit information depends on the update time of each bank.

(1) The central bank will record the repayment information for 24 months in the credit information system. If there is a record of overdue repayment, it will be recorded in personal credit information. It is suggested that the cardholder continue to use it for more than two years after paying off the overdue amount, and make records to eliminate the overdue record of credit investigation.

(2) According to the regulations of the central bank on credit management, loan credit records shall be kept for 5 years from the date of termination, and shall be cleared after 5 years.

4. Credit investigation refers to a kind of social credit evaluation for enterprises and individuals, which is very important for both individuals and enterprises.

5. Credit investigation refers to the business of collecting, sorting out and saving some credit transactions that have happened before by enterprises and individuals, and providing inquiries to users of these credit information.

6. If the repayment has been made on time, but there are bad records in the credit record, you should immediately check your corresponding transaction to confirm whether the bad records are true. Under normal circumstances, there is no mistake in the credit record, but if there is a problem, you can raise an objection to the lending institution or the credit center to confirm the misunderstanding and help you correct it.

What if the credit card expires? This is a guide book.

A few days ago, a card friend left a message saying that his credit card was only valid for 2 months and he wanted to continue using it. what should he do ？ Today, I sorted out this article and introduced it to you. What if the credit card expires?

One of the ways to deal with the expired credit card: renewing the card.

Generally speaking, one month before your credit card expires, major banks will take the initiative to mail a new card to their customers. If you haven't received a new card for a long time, you should contact the bank as soon as possible, and the bank will reissue it for you.

Under normal circumstances, the new credit card is the same as the original credit card in terms of function and amount, and the points of the original credit card will be transferred to the new credit card.

If you have a bad credit record, the bank will reduce your credit card limit. On the contrary, if you have always maintained a good credit record, you can apply to the bank for a higher amount according to your own needs, and the bank will generally agree.

Tip: If your mailing address changes, you should take the initiative to contact the bank in advance.

The second way to deal with the expired credit card: cancel the card and cancel the account.

If you feel that other credit cards offer great discounts and don't want to use this expired one, you will usually contact the bank hotline customer service one month in advance, so that they won't issue you a new card. Or bring relevant information to the bank outlet to cancel the card and cancel the account.

Matters needing attention in handling credit card cancellation:

1, there can be no debt or balance in the credit card;

2. Try to use the points in the credit card, and the points will be invalid after cancellation;

You can choose to renew your credit card or cancel it when it expires. In order to protect your rights and interests, you'd better make a decision in advance.

What if the credit card expires?

Need to replace a new card. Once the credit card expires, this card can no longer be used. But generally, one month before the credit card expires, the bank will take the initiative to issue a new card to the customer. However, it should be noted that if you don't want to continue using the card, you can call the issuing bank one month before the card expires and ask not to replace the new card, but you must pay off all the debts of the credit card.

If you want to continue to use the card, but your mailing address has changed, in order to receive a new card from the bank, you can call the card issuer one month in advance to change the mailing address of the credit card, or update the mailing address on the credit card official website yourself.

In addition, if you don't receive the new card as scheduled, you should contact the bank in time to inquire about the relevant information and ask the bank to reissue the card and send it. After receiving the new card, the cardholder should call customer service to open the card. With the new card coming into effect, the original card will be invalid.

How long is the credit card valid?

1. General credit cards are valid for 3-5 years. It can be calculated by subtracting the application year from the last two digits of the card face. For example, for the credit card applied for in April 2005, the number on the card face is 04 (number of months) /20 (number of years), so the validity period is = 2020-20 15 = 5, which is five years.

In fact, the validity period of a credit card is counted from the date when your credit card is approved, and the validity period is mostly 3-5 years or even 8 years. For example, China Merchants Bank Air China Yin Zhi Credit Card and Rural Commercial Bank Phoenix Card are valid for 3 years; Minsheng Bank Credit Gold Card is valid for four years; Guangfa Bank credit card and Industrial Bank platinum card magnetic stripe card are valid for five years; China Construction Bank Wumart Credit Card Gold Card is valid for eight years.

What's a credit card for?

1. Credit cards are usually issued by commercial banks to individuals and units. When spending, you can use the credit card as a payment tool, and make direct consumption through POS machines installed by merchants or online payment platforms.

Credit card means that you can spend more than your ability to pay, that is, when your shopping demand exceeds your ability to pay, you can borrow money from the bank. A credit card is a certificate that the bank promises to lend you money according to your credit status. Your credit card will remind you how much money you can borrow from the bank and when to pay it back.

3. Repayment after overdraft consumption, including automatic repayment agreement, online banking repayment, mobile banking repayment and ATM repayment. There is no need to pay interest for repaying all payables before the due repayment date (inclusive). If the minimum repayment amount cannot be repaid before the due repayment date (inclusive), overdraft interest will be charged at the rate of five ten thousandths, and a late fee will be paid at the rate of 5% of the unpaid minimum repayment amount.

What if the credit card expires?

1. If you continue to use this card, the old and the new will alternate, and the amount will remain unchanged.

In fact, most banks will take the initiative to mail new cards to customers one month before the card expires. However, cardholders should pay attention that if the mailing address changes, they should call the credit card customer service center in advance to change the mailing address, so as to avoid getting a new card. In addition, if you don't receive the new card as scheduled, you should contact the bank in time and ask the bank to mail the card again.

In fact, one month before the card expires, as long as there is no abnormal use status such as freezing, the functions and quotas of the new card and the original card will not change, and the points of the original card will be transferred to the new card. However, the situation that the new card quota is reduced does exist. A number of banks said that they will always pay attention to the cardholder's card usage and adjust the credit limit regularly accordingly. Cards with low consumption and low credit limit are likely to be lowered. Customers who want to increase the amount of new cards should call customer service to open the cards after receiving the new cards. Then apply to the bank to increase the quota, and the bank will make appropriate adjustments after verifying the customer's card use.

2. If the card is not updated, the card will be cancelled.

Some people may not want to continue to use the card because it is inconvenient, but remember not to ignore it because the credit card has expired. Even a credit card that has never been used within the validity period of the card may be in arrears because of the annual fee. Therefore, in order to avoid bad credit records, cardholders should carefully dispose of credit cards that are no longer used, and it is best to consult the credit card customer service center. If you need to cancel your card, the cardholder can directly call the customer service phone number of the relevant bank or bring relevant materials to the bank outlet for handling.

What should I do when the credit card time is up and how to introduce the end of the maximum credit card time? I wonder if you have found the information you need?