3-5 years.

generally speaking, the validity period of a credit card is 3-5 years, and there are clear marks on the card surface, such as "validfrom××/×× /×××, validthru××/×× /×××" or similar marks, which means that the validity period of a credit card is ××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××

as a cardholder, you need to confirm whether you will use the credit card again. If you continue to use the card, you can contact the bank customer for confirmation. When the card is not frozen and other abnormal conditions, the bank will generally send a new card to the cardholder. The number, function and quota of the new card are the same as those of the original card, but the validity period has changed. The new card received must be opened before it can be used.

Extended information

It should be noted that some people may think that the credit card has expired and there is no need to cancel it. In fact, there are also great risks hidden in it. For example, some credit cards still have annual fees, even if they are not used, they may owe money due to the annual fees, and credit cards are still quietly overdrawn, thus leaving bad credit records for cardholders.

In addition, cancellation can also prevent the cardholder from being used by criminals and bringing unnecessary economic losses. Therefore, regardless of whether the credit card has expired or not, it is best to consult the credit card customer service center and cancel it in time when it is confirmed that it is not used.

in addition, many banks will always pay attention to the cardholder's card usage, and adjust the credit limit regularly accordingly. The credit limit may also be lowered due to reasons such as less consumption. Cardholders should also keep abreast of the changes in their credit card limit after replacing their new cards.

customers who want to increase the credit limit can apply to the bank for an increase after the new card is opened, and the bank will make appropriate adjustments after verifying the customer's situation.

People's Daily Online-The credit card has expired. Do you want to reschedule or apply for a card? (financial staff)