If the credit card is not activated within the validity period, it will become invalid. The validity period of a credit card is generally 3 to 5 years. Users need to activate the credit card within this validity period. If it is not activated after the validity period, the credit card will be invalid. After the failure, the bank will not directly cancel the credit card, and continue to wait for a period of time. The bank will confirm that the user does not need the card, and then automatically cancel the credit card.

In a word, after the user has applied for a credit card, it is best to cancel it directly if he does not use it, and there is no need to wait for the bank to automatically cancel it.

all credit cards have a validity period, which usually expires after 3-5 years.

1. Credit card is a non-cash payment method and a simple credit service. The bank or credit card company will issue it to the cardholder according to the user's credit and financial resources. The cardholder does not need to pay cash when spending with the credit card, and will repay it on the checkout date. Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct funds from users' accounts.

2. The credit card activation methods of different banks are similar. But there are only three kinds: activation at outlets, activation at mobile banking, and self-service activation by telephone. Network, let the staff operate; Mobile banking: When you register and log in to find your credit card, you will generally have an activation option and follow the prompts. Telephone self-help means that there is a phone number of the credit card center on the back of your credit card. You dial it and press the voice prompt to activate the credit card, and similarly press the prompt to enter the required information to activate it.

3. Before the credit card is cancelled, the account balance must be cleared, and the whole process of card cancellation is completed within 45 days after the application is made. Generally, it can be cancelled by telephone banking: basically, ordinary credit cards can be cancelled by telephone banking. You can also cancel at the bank counter: going to the bank counter to cancel is also an adopted method.